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PUBLIC DOCUMENT .... .... No. 9.
FOETY-FIEST ANNUAL EEPOET
or THE
Insurance Commissioner
OF THE
dfommnnfotaltb flf Ipassatj^sdts,
January 1, 1896.
PART I.
FIRE AND MARINE INSURANCE.
BOSTON :
WRIGHT & POTTER PRINTING CO., STATE PRINTERS,
18 Post Office Square.
1896.
APi £4 1896
• -
5W V\d
A r
TABLE OF CONTENTS.
[For Index to Companies, see end of Volume.]
COMMISSIONER'S REPORT.
PAGE
Introductory, • v
Another Insurance Spasm, v
The Business of the Past Year, . . . .<- vii
COMPANIES AUTHORIZED DURING 1895, Viii
Companies withdrawn during 1895, . . viii
The Work of the Fire Marshal, . ix
What Should be Attempted in Supervision, x
The National Convention of Insurance Officials, x
Finances of the Department, xiii
Comparative Tables, xv
Massachusetts Mutual Fire Insurance Companies :
Comparative Table A, xvii
Massachusetts Mutual Fire-Marine Insurance Companies:
Comparative Table B, xvii
Massachusetts Joint-Stock Insurance Companies :
Comparative Table C, xviii
Insurance Companies of Other States :
Comparative Table D, xix
United States Branches of Foreign Insurance Companies :
Comparative Table E, xx
Aggregates of all the Companies, xxi
Massachusetts Business :
Comparative Table F, xxii
Comparative Ratios, xxii
Table G. — Fire risks written, premiums received and losses incurred in
Massachusetts, xxiii
Statistical Tables, xxv
Massachusetts Mutual Fire Insurance Companies :
Table I. — Risks, assets, liabilities and surplus, xxvi
Table II. — Gross cash income and expenditures, premiums, losses and
expenses, xxviii
IV TABLE OF CONTENTS.
Massachusetts Mutual Marine Insurance Companies : page
Table III. — Guaranty fund, scrip, risks, assets, liabilities and surplus, . xxx
Table IV. — Gross cash income and expenditures, premiums, losses and
expenses, xxx
Massachusetts Joint-Stock Insurance Companies :
Table V. — Cash capital, risks, assets, liabilities and surplus, . . . xxxi
Table VI. — Risks written, premiums received and losses paid, . . . xxxii
Table VII. — Gross cash income and expenditures, expenses and divi-
dends, xxxiii
Insurance Companies of Other States:
Table VIII. — Cash capital, risks, assets, liabilities and surplus, . . xxxiv
Table IX. — Risks written, premiums received and losses paid, . . xxxix
Table X. — Gross cash income and expenditures, expenses and divi-
dends, xliv
United States Branches :
Table XI. — Showing deposits, etc., xlix
Table XII ! — Business of 1895, . li
Massachusetts Business in Detail :
Table XIII, liii
Table XI V. — Receipts and expenditures of the insurance department, . Ivii'
Statistics of Fires in Massachusetts (See Appendix) :
Table I. — Fire losses in Massachusetts during the year, .... 461
Table II. — Property, fires, insurance, loss, etc. 465
Table III. — Comparison of fires for eighteen years, . 470
Table IV. — Fires classified by months, 472
Table V. — Causes of fires, 475
Table VI. — Summary, 482
Table VIL — Fires by months for eighteen years, 484
DETAILED STATEMENTS.
Massachusetts Mutual Fire Companies, ........ 1
Massachusetts Mutual Marine Companies, 107
Massachusetts Joint-Stock Fire, Marine and Fire-Marine Companies, . . 113
Fire, Marine and Fire-Marine Insurance Companies of Other States, ... * 135
United States Branches of Foreign Companies, 360
Appendix, . " 435
Commmtfocaltjj of Utassat^usrits.
Insi-rance Department, Boston, April 8, 1896.
To the Honorable the Senate and. House of Representatives.
In compliance with the provisions of law, herewith is sub-
mitted Part I., relating to fire and marine insurance, of the
forty-first annual report of this Department.
The companies now transacting business in Massachusetts
are classified as follows : —
Massachusetts mutual fire, 60
Massachusetts mutual marine, ...... 3
Massachusetts joint stock, ....... 7
Other States, ...... . 79
United States branches of foreign companies, ... 32
Total, 181
Another Insurance Spasm.
There occurs periodically, in all classes of society, certain
" isms " or fads which, like the ignis fatuus, allure people until
they are lost in the swamp of despondency or bankruptcy.
The field of insurance has not escaped. A few years ago the
endowment fire-fly flitted through the air, and in the mad race
for gain thousands of deluded people found to their cost that
it was but a shadow ; and this will 'o the wisp led them such a
hurried chase that they refused to observe the danger signal
set up by this Department, and not until the strong arm of the
law interposed was their career checked.
The temptation for a quick fortune has again been embraced
in the formation of mutual fire insurance companies. Corpora-
tions have been organized and hardly had the breath of cor-
porative existence been put into the body ere it became the
VI REPORT OF THE
prey of those who looked solely for the benefit of their own
pockets. Risks were taken without any regard to the hazard,
either moral or otherwise ; anything that yielded a premium
necessarily carried with it a commission which was conveyed
immediately to the pockets of the managers. Western fields
were sought, not by regularly applying for admission through
legitimate channels, but by pecuniary inducements to agents
who were only too eager to use the corporations as a slop
bucket into which they could empty refuse risks, and when the
inevitable losses came and assessments on policy-holders were
levied, not on account of losses incurred at home - — for in nearly
every instance the business in Massachusetts has been remune-
rative — but in States where the corporations had no legal ex-
istence, then the citizens of this State had to bear the burden.
The Commonwealth Mutual Fire Insurance Company furnishes
a conspicuous instance : starting in business in December,
1893, it found itself at the close of one year with a balance
against it of $74,098.29, and in May, 1895, it was in the
hands of a receiver. Attempts to collect assessments with
which to settle demands for losses, met with resistance, and
hearings, prolonged and arduous, before an auditor, whose
final report to the court that an assessment of $250,000 be
levied, was ratified by the judicial tribunal.
The good name of our old Massachusetts mutuals has been
dragged in the mire by the actions of some of the new irrespon-
sible brood, and the record of years heretofore enjoyed by them
is smirched and blackened thereby.
Some of the projectors of these new mutuals have considered
their name and reputation as of more consequence than sudden
riches and have continued business conservatively or closed up
in an honorable manner while in a solvent condition. It is to
be hoped that the lessons learned by bitter experience will not
have been without some good results for the future.
During the year the following companies have, as indicated,
retired from business : —
Wellfleet Marine, Wellfleet, voluntarily closed.
Suffolk Mutual Fire, upon petition of the Insurance Commis-
sioner, placed in the hands of James C. Davis, 65 Mason Build-
ing, Boston, as receiver.
Commonwealth Mutual Fire, upon petition of the Insurance
INSURANCE COMMISSIONER. Vll
Commissioner, placed in the hands of William B. Stevens, 209
Washington Street, Boston, as receiver.
[Receiver reports that he has received $13,765.25, including $ 2,260
now subject to attachment which will probably be dissolved; that
the liability as known is $93,248.71 ; that the auditor has recom-
mended and the court confirmed an assessment of $250,000.]
Patrons Mutual Fire, upon petition of the Insurance Com-
missioner, placed in the hands of Robert H. Leland, 209
Washington Street, Boston, as receiver.
Melrose Mutual Fire, upon petition of the Insurance Com-
missioner, placed in the hands of Alpheus Sanford, 70 Kilby
Street, Boston, as receiver.
Bay State Mutual Fire, upon petition of the Insurance Com-
missioner, placed in the hands of Herbert Parker of Worcester
as receiver.
[Receiver is not yet able to give any definite statement as to the con-
dition of the affairs of the company.]
Colonial Mutual Fire, upon petition of the Insurance Com-
missioner, placed in the hands of W. O. Underwood, 50 State
Street, Boston, as receiver.
[The receiver reports, under date of April 4, 1896, that he has received
assets of $14,898.71, upon $6,000 of which there is an attachment
which will probably be dissolved. The indebtedness of the com-
pany so far as known, taking face value of claims, is $18,973.64.
Two additional claims, amounting to $2,520.04, have been rejected
because the loss occurred subsequent to appointment of receiver.
There are also some small claims in various States for taxes.]
First National Fire, reinsured in National of Hartford.
Tremont Mutual Fire, reinsured in the Globe Fire of New
York.
The Business of the Past Year.
In the matter of fire insurance the risks written during the
past year aggregated a larger amount, with a single exception,
than during any one of the last twenty-five years, and the pre-
miums received by the foreign and domestic companies within
the Commonwealth were the largest ever known. The losses
by fire were below the average of the last quarter of a century
and in proportion to the premiums received the smallest during
this entire period. Our own companies still continue, as the
tables show, to suffer at the expense of those of other States
and countries.
Vlll
REPORT OF THE
The changes since the last report, in companies authorized to
transact business in the Commonwealth, are as follows : —
Companies authorized during the Year.
NAME OF COMPANY.
Location.
Date of authority.
Continental Mutual, .
Boston, ....
January
4.
Traders (re-admitted),
Chicago, 111., .
March
15.
Lumber Mutual,
Boston, ....
March
27.
Central Mutual, .
Boston, ....
May
13.
Commercial Union, .
New York, N. Y., .
July
26.
Eagle Mutual, .
Boston, ....
July
27.
Commerce Mutual, .
Boston, ....
August
21.
Norwood, . ,
New York, N. Y., .
October
7.
Armenia, .
Pittsburgh, Pa.,
October
22.
Assurance Lloyds of America, .
New York, N. Y., .
December
5.
Norwalk,
Norwalk, Conn., .
December
9.
Companies withdrawn during the Year.
NAME OF COMPANY.
Location.
Date.
Remarks.
Wellfleet Marine, .
Suffolk Mutual,
First National,
Commonwealth Mutual, .
Patrons Mutual,
Melrose Mutual,
Tremont Mutual,
Bay State Mutual, .
Colonial Mutual,
Wellfleet, .
Boston,
Worcester,
Boston,
Worcester,
Boston,
Boston,
Gardner, .
Boston,
Feb. 12,
Mar. 22,
April 16,
May 28,
Nov. 14,
Nov. 26,
Dec. 4,
Dec. 28,
Dec. 23,
Stockholders voted to
dissolve.
Receiver appointed.
Re-insured in National
Hartford.
Receiver appointed.
Receiver appointed.
Receiver appointed.
Re-insured in Globe of
New York.
Receiver appointed.
Receiver appointed.
insurance commissioner. ix
The Work of the Fire Marshal.
In the Appendix to this report is presented the annual state-
ment of Fire Marshal Whitcomb, and the result of the work
accomplished in that office abundantly justifies the wisdom of
the Legislature in creating that bureau, and fully authorizes a
cordial and generous appropriation for its maintenance. One of
the most serious evils in connection with the protection of the
individual property holder against loss by fire is that of the
torch of the incendiary. Under the existing statute the Fire
Marshal, through his aids in the various parts of the Common-
wealth, promptly investigates the origin and cause of every fire,
and in each case where the same is believed to have been
caused by an incendiary, the aid of the courts is invoked for
the prosecution of the offender.
The marshal is unquestionably correct in his expression of
opinion that to a very considerable degree incendiarism grows
out of over-insurance. In a report a few years ago to this
Department, in relation to the causes of fires, one town clerk
said that the cause of a fire reported was undoubtedly " friction
caused by a very small stock of goods rubbing up against a
very large insurance policy." The statute at present provides
for a penalty against any company or agent effecting insurance
upon property for a larger amount than the value of the same.
This clearly ought to be enlarged so as to make it a criminal
offence with a very much heavier penalty than at present pro-
vided. Hold the agent criminally responsible for any over-
insurance and a large proportion of the difficulty experienced
and the suffering by the companies would be at once remedied.
It is very significant, as is shown by the figures in the fire
marshal's report, that since the establishment of that office, the
confessions and convictions for causing incendiary fires have
increased fully 300 per cent. Let it become fully understood
that a department authorized by the Commonwealth, fully
equipped for its work, has throughout the borders of Massa-
chusetts its officials watching and investigating every fire, ready
in case of suspicion of incendiarism to present the facts to the
courts and to pursue the offender, and there is absolutely cer-
tain to result a very large diminution in the number of fires
from this source. Every thousand dollars thus saved is so
X REPORT OF THE
much money retained in property value to the citizens of the
Commonwealth, and the Commissioner desires to express his
cordial and hearty appreciation of the successful work of the
fire marshal's office during the past year, and his belief that the
worth of this bureau to the people of Massachusetts is annually
in actual cash, many dollars for every one expended thereon.
What should be Attempted in Supervision.
In so far as the business of insurance proceeds upon plans
which from the inherent nature of the undertakings must be
technical and complicated beyond what is usual in ordinary
commercial transactions, the Commonwealth ought to take
consideration and regulation of the business. To such extent
as the public is not able to understand and protect itself it is
the duty of the Commonwealth to guard it against the chances
of imposition and fraud. No further than this, either as
respects the general methods of the business nor in its police
regulations, is there justification for official interference any
more than in any other commercial enterprise. As for in-
stance, in savings banks and trust companies, reasonable
regulations having been made as to the character of invest-
ments, and the disposition of the earnings, the business is then
left substantially to the chances of competition. So in its
purely financial aspects, aside from the scope of its techni-
calities, should the business of insurance be left unvexed by
unnecessary restrictions.
The National Convention of Insurance Officials.
The years immediately following the close of the war were
prolific of new business enterprises, — speculative and other-
wise, — and among them various forms of insurance were
promoted with great activity. Closely touching upon almost
every kind of business, insurance soon came to be the subject
of legislative notice and regulation. Its true principles being
little known, the laws controlling it were quite naturally
enacted rather to fit local and fortuitous conditions than with
a view to the larger and equitable relations of the insurance
system to the great and permanent interests of the whole com-
INSURANCE COMMISSIONER. XI
munity. New bureaus and departments for the administration
of these laws were created in most of the States, and, naturally,
with new laws touching a comparatively new and intricate
subject, and new and generally inexperienced commissioners
to execute them, it may readily be imagined that the com-
panies soon found themselves in a maze of perplexities under
so many and varied and often inconsistent requirements. The
compliance with such a variety of often inconsistent laws,
especially in respect to financial and business statements,
became almost as great a burden to the companies as the
conduct of their proper regular business, and they petitioned
earnestly for relief. Professing always to be ready to give
every item of information required, if only the commissioners
could agree upon what such should be, so that a report or
statement once made, copies of the same might practically
serve for all.
With a view to the amelioration of this justly complained of
burden, a meeting of the various State insurance officials was
brought about in 1871, and such meetings have been held
annually ever since.
The whole object and purpose of the early conventions of
the commissioners and superintendents was consultation, dis-
cussion and the ascertaining of all possible facts in relation to
the business and the best and clearest methods of presenting
the operations and conditions of the companies to the public,
as well as gaining the best suggestions for their respective
legislatures for the enlightenment and improvement of their
laws ; and in such cases as discretion was left with the com-
missioners under their laws, to agree as nearly as possible upon
some uniform methods for the convenience of all.
It was a body composed of wholly independent officials, met
for informal, unofficial consultation and inquiry, — each seeking
to gain information and advice so as best to enable him to
administer his own laws, primarily in the interests of his own
people and State, and incidentally to the best welfare of the
whole community. A careful perusal of the records of the
first convention shows that no one of the participants imagined
that he was by his attendance binding himself to abide by the
opinions or views of the majority or all of the rest in any case
whatever unless it coincided with the statute of his State, his
XU REPORT OF THE
own judgment and by his own expressed consent. If it had
been understood at the outset that everyone who should accept
the invitation to such meeting would thereby bind himself to
obey any and every rule for the conduct of his official duties
which the majority might adopt, it goes without saying that
there would have been no first meeting of the State insurance
officials.
The conventions were composed of men in earnest and sin-
cere quest of the best light for their official guidance, with no
wish but for the interest and convenience of their individual
duties and a willingness to communicate freely such informa-
tion and experience as they had for the aid of their neighbors.
Their conferences were therefore of immense value and profit
to themselves in an educational way and directly and neces-
sarily a great convenience resulted to the companies in a large
approach to uniformity of requirements by the various States.
From these early meetings and their influences there soon
appeared a very appreciable advance toward similarity of laws
and simplicity of department methods, all of which were a
great advantage to the general interests of the people and a
lessening of cost and labor to the companies.
But in later years this important point has been partially
lost sight of, and ignoring the absolute independence of the
State laws and State officials of each and all others, the con-
vention seems in a degree to have drifted into some sort of a
putative legislative assembly, and in the opinion of some of
the members it goes that whatever the majority shall decide
must bind the others and all, just as if they were representa-
tives of one State or constituency and charged with the duty
of agreeing upon some single line of conduct instead of being,
as they should be, simply visitors from each of the States, met
to talk over and exchange views and experiences for the inci-
dental advantage of each, with no binding power whatsoever
upon the action of any other. The Commissioner for this Com-
monwealth feels impelled to officially emphasize his opinion as
to the power and purposes of this convention, so far as con-
trolling his judgment upon matters in which the statutes direct
his action or leave it to his discretion.
INSURANCE COMMISSIONER. Xlll
Finances of the Department.
The income of the Department for the year 1895 was
$57,191.86, as shown in detail by Table XIV. The reduction
by fifty per cent, in the valuation fee, applied for the first time
to the receipts of last year, made a decrease of nearly $11,000
in the net results. The surplus revenue accruing to the Com-
monwealth above the entire expenditures of the Insurance
Department was $23,418.20.
Respectfully submitted,
GEORGE S. MERRILL,
Insurance Commissioner,
COMPARATIVE TABLES.
Comparative Table A. — Massachusetts Mutual Fire Insurance
Companies.
1894.*
1895.f
Increase or
Decrease in 1895.
Assets (including contingent),
$36,140,266
$35,083,863
—$1,056,403
Liabilities, .
5,759,970
5,822,664
62,694
Cash surplus, ....
5,028,752
4,544,500
—484,252
Income,
6,275,391
6,037,980
—237,411
Expenditures,
5,753,149
6,055,176
302,027
Risks written,
602,324,896
567,419,209
—34,905,687
Net premiums received,
5,739,745
5,523,716
—216,029
Risks outstanding, .
877,687,858
860,567,630
—17,120,228
Losses paid, ....
1,750,915
1,894,990
144,075
Losses incurred,
1,492,096
2,219,625
727,529
Assessments collected, .
32,103
28,428
—3,675
Profits returned,
2,827,651
3,122,764
295,113
Expenses, .
1,098,908
1,016,949
—81,959
* Sixty-two companies.
t Sixty con
ipanies.
Comparative Table B. —Massachusetts Mutual Fire- Marine
Insurance Companies.
1894.*
1895.*
Increase or
Decrease in 1895.
Assets, . .
Liabilities,
Surplus, .
Income, .
Expenditures,
Risks written,
Net premiums received,
Losses paid, .
Losses incurred,
Risks outstanding, .
Expenses,
Scrip dividends declared
Scrip redeemed,
Scrip outstanding, .
$447,277
133,209
314,068
272,500
213,090
14,255,590
204,039
169,442
127,529
3,846,557
43,648
662,362
$527,269
197,268
330,001
224,884
217,303
19,501,226
215,895
146,742
155,455
7,510,029
54,678
656,561
$79,992
64,059
15,933
—47,616
4,213
5,245,636
11,856
—22,702
27,926
3,663,472
11,030
—5,801
* Two companies.
XV111
REPORT OF THE
Comparative Table C. — Massachusetts Joint-Stock Insurance
Companies.
1894.*
1895-f
Increase or
Decrease in 1S95.
Cash capital, .'••..
$4,150,000
$3,850,000
—$300,000
Assets,
9,329,492
9,199,631
—129,861
Liabilities, ....
3,091,987
3,123,266
31,279
Surplus, .....
6,237,505
6,076,365
—161,140
Income, .....
4,215,019
3,998,116
—216,903
Expenditures,
3,809,936
3,604,608
—205,328
Fire risks written, .
234,102,235
252,641,696
18,539,461
Fire premiums received (net),
2,643,021
2,725,081
82,060
Marine risks written, .
58,716,628
60,101,703
1,385,075
Marine premiums rec 1 d (net),
1,205,873
921,336
—284,537
Fire losses paid, .
1,704,614
1,441,548
—263,066
Marine losses paid,
676,366
744,897
68,531
Fire losses incurred,
1,548,192
1,442,341
— 105,851
Marine losses incurred,
751,195
820,730
69,535
Fire risks outstanding, .
346,534,601
380,869,241
34,334,640
Marine risks outstanding,
10,332,386
9,677,901
—654,485
Expenses, ....
1,106,830
1,080,871
—25,959
Cash dividends declared,
322,125
337,500
15,375
* Nine companies.
t Seven com
parries.
INSURANCE COMMISSIONER.
XIX
Comparative Table D. — Fire and Marine Insurance Companies
of Other States.
1894.»
1895. t
Increase or
Decrease in 1895.
Cash capital, ....
$40,629,601
$41,970,025
$1,340,424
Assets,
165,529,697
175,967,934
10,438,237
Liabilities, ....
81,749,197
83,625,162
1,875,965
Surplus, . . .
83,780,500
92,342,772
8,562,272
Income,
87,585,334
88,601,833
1,016,499
Expenditures,
82,502,817
80,733,064
—1,769,753
Fire risks written, .
8,286,510,862
8,611,213,660
324,702,798
Fire premiums received (net),
73,616,858
75,109,899
1,493,041
Marine risks written, .
1,373,218,992
1,349,401,454
—23,817,538
Marine premiums rec'd (net),
6,728,536
5,946,440
—782,096
Fire losses paid, .
44,196,572
41,095,902
—3,100,670
Marine losses paid,
4,314,714
4,548,683
233,969
Fire losses incurred,
40,912,124
40,565,562
=-346,562
Marine losses incurred, .
4,698,501
4,837,129
138,628
Fire risks outstanding, .
10,570,078,225
11,382,987,550
812,909,325
Marine risks outstanding,
165,756,303
181,592,967
15,836,664
Expenses, ....
27,392,315
28,786,727
1,394,412
Cash dividends declared.
4,637,623
4,915,425
277,802
* Seventy-four companies.
t Seventy -nine companies.
XX
REPORT OF THE
Comparative Table E. — United States Branches of Foreign Com-
panies.
1894.*
18954
Increase or
Decrease in 1895.
Deposit capital,
$7,300,000
$7,300,000
-
Assets in United States,
55,160,385
58,013,635
$2,853,250
Liabilities in United States, .
37,098,836
37,789,529
690,693
Surplus,
18,061,549
20,224,106
2,162,557
Income, .
46,521,963
46,868,292
346,329
Expenditures,
41,002,095
40,449,791
—552,304
Fire risks written, .
4,945,013,570
5,169,560,329
214,546,759
Fire premiums received (net),
41,114,393
41,013,820
—100,573
Marine risks written, .
952,038,622
1,363,158,387
411,119,765
Marine premiums rec'd (net),
3,423,123
3,788,212
365,089
Fire losses paid, . .
25,156,390
23,404,845
—1,751,545
Marine losses paid,
1,672,491
2,412,426
739,935
Fire losses incurred,
24,359,095
22,555,166
—1,793,929
Marine losses incurred, .
1,630,343
2,619,129
988,786
Fire risks outstanding, .
5,650,638,897
5,835,923,975
185,285,078
Marine risks outstanding,
58,112,920
77,945,625
19,832,705
Expenses, ....
14,173,2.13
14,612,519
439,306
* Thirty-three companies.
f Thirty-two companies.
INSURANCE COMMISSIONER.
XXI
Aggregates of all the Companies.
1894.
1895.
Increase or
Decrease in 1895.
Cash capital, . . .
$52,079,601
$53,120,025
$1,040,424
Assets (including contingent
of mutual companies),
266,607,117
278,792,332
12,185,215
Liabilities, ....
127,833,199
130,557,889
2,724,690
Surplus,
113,422,374
123,517,744
10,095,370
Income,
144,870,107
145,731,105
860,998
Expenditures,
133,281,087
131,059,942
—2,221,145
Fire risks written, .
14,067,951,563
14,593,403,355
525,451,792
Fire premiums received (net),
123,318,056
124,399,915
1,081,859
Marine risks written,
2,398,229,832
2,789,594,309
391,364,477
Marine premiums rec 1 d (net),
11,561,571
10,844,484
—717,087
Fire losses paid,
72,808,491
67,841,860
—4,966,631
Marine losses paid,
6,833,013
7,848,173
1,015,160
Fire losses incurred, ,
65,814,614
66,789,497
974,883
Marine losses incurred, .
10,204,461
8,425,640
—1,778,821
Fire risks outstanding, .
17,444,939,581
18,462,445,077
1,017,505,496
Marine risks outstanding,
238,048,166
274,629,841
36,581,675
Expenses, ....
43,814,914
45,551,744
1,736,830
Cash dividends declared,
4,961,748
5,252,925
291,177
XX11
REPORT OF THE
Comparative Table F. — Massachusetts Business *
1894.
1895.
Increase or
Decrease in 1895.
Fire risks written, .
$986,624,142
$1,020,680,686
$34,056,544
Fire premiums received,
10,518,365
11,032,012
513,647
Fire losses paid, .
5,588,289
4,165,155
—1,423,134
Fire losses incurred,
5,182,490
4,029,954
—1,152,536
Marine risks written, .
237,436,404
314,537,634
77,101,230
Marine premiums received, .
1,670,982
1,832,799
161,817
Marine losses paid,
1,115,948
1,240,130
124,182
Marine losses incurred, .
1,021,640
1,211,101
189,461
* For details of this business see Table XIII.
Comparative Eatios of Table F.
1894.
1895.
Increase
or Decrease
in 1895.
Fire premiums received to risks written, .
1.07
1.08
.93
Fire losses incurred to risks written,
.53
.39
—26.42
Fire losses incurred to premiums received,
49.27
36.53
—25.86
Marine premiums received to risks written, .
.70
.58
—17.14
Marine losses incurred to risks written, .
.42
.39
—7.14
Marine losses incurred to premiums received, .
61.17
66.08
8.04
INSURANCE COMMISSIONER.
XX 111
Table G. — Fire Risks written, Premiums received and Losses
incurred in Massachusetts.
Fire Kisks Written.
Premiums
Received.
Losses Incurred.
Ratio
OF —
Year.
Premiums
Received to
Risks Written.
Losses
Incurred to
Risks Written.
1873, .
1858,393,129
$10,358,024
$5,184,364
1.21
.60
1874, .
655,056,069
8,253,755
3,676,063
1.26
.56
1875, .
597,478,409
7,232,486
3,221,943
1.21
.54
1876, .
528,211,058
5,974,268
2,738,180
1.13
.52
1877, .
585,928,271
5,998,124
2,572,185
1.02
.44
1878, .
558,019,711
5,506,392
2,438,121
.99
.44
1879, .
520,814,369
5,026,482
2,500,451
.96
.48
1880, .
609,132,542
5,479,552
3,055,273
.90
.50
1881, .
642,542,633
5,845,354
2,884,047
.91
.45
1882, .
686,030,272
6,244,053
4,915,949
.91
.72
1883, .
710,197,514
6,896,367
3,763,949
.97
.53
1884, .
655,613,160
7,067,149
3,865,956
1.08
.59
1885, .
661,380,951
7,402,583
3,132,235
1.12
.47
1886, .
694,473,662
7,838,425
3,369,294
1.13
.49
1887, .
765,304,046
8,371,714
3,136,774
1.09
.41
1888, .
832,038,483
8,702,006
4,444,322
1.05
.53
1889, .
825,962,689
8,601,963
9,284,464
1.04
1.12
1890, .
871,117,341
9,039,865
3,798,502
1.04
.44
1891, .
863,343,089
8,719,803
5,104,694
1.01
.59
1892, .
960,872,674
10,006,986
4,140,396
1.04
.43
1893, .
1,030,196,564
10,727,167
8,329,015
1.04
.81
1894, .
986,624,142
10,518,365
5,182,490
1.07
.53
1895, .
1,020,680,686
11,032,012
4,029,954
1.08
.39
Totals,
$17,119,411,464
$180,842,895
$94,768,621
1.05
.55
STATISTICAL TABLES.
XXVI
REPORT OF THE
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liii
Table XIII. — Massachusetts Business for 1895.
Massachusetts Mutual Fire Companies.
Risks
Premiums
Contingent
Losses
Losses
NAME OF COMPANY.
Written.
Received.
Assets.
Paid.
Incurred.
Abington
$2,717,990
$39^20
$39,820
$12,614
$14,995
Annisquam, ....
91,250
-
6,029
-
-
Arkwright
42,075,685
334,099
1,670,492
34,946
36,207
Aehfield
6,931
35
208
425
425
Atlas,
2,414,800
34,767
104,302
6,889
6,889
Attleborough,
415,518
2,356
23,096
788
788
Barnstable County,
2,223,665
38,440
115,319
4,154
3,603
Berkshire, ....
2,472,011
33,973
33,972
18,629
18,629
Boston Manufacturers,'
49,109,869
394,775
1,973,873
48,794
49,937
Bristol County,
663,730
4,454
44,536
497
497
Cambridge, ....
4,684,837
73,573
73,573
20,360
26,360
Central,
1,562,926
13,241
39,723
-
248
Citizens', ....
6,187,447
83,119
83,119
20,505
19,620
Cohasset, ....
67,640
1,048
3,145
291
776
Commerce, ....
983,430
8,413
25,240
-
1,302
Continental, ....
937,219
13,542
40,626
788
2,062
Cotton and "Woolen,
4,690,445
43,161
215,804
8,254
8,270
Dedham, .
1,771,728
27,872
27,872
10,311
11,259
Dorchester, ....
10,978,152
164,370
164,370
61,636
60,136
Eagle
945,986
9,024
27,072
-
650
Eastern,
826,363
17,855
53,566
10,358
6,518
Essex
2,048,230
24,621
24,621
12,660
14,311
Excelsior, ....
1,079,908
16,199
48,596
10,164
13,992
Fall River, . . . .
16,625,468
136,812
684,058
24,390
24,570
Fitchburg, ....
4,961,054
72,609
72,609
52,013
55,369
Franklin, ....
1,304,478
19,094
19,094
13,286
20,923
Groveland
408,077
-
29,156
1,608
1,608
Hampshire
802,992
11,372
11,372
5,403
5,403
Hingham, ....
4,814,324
71,443
71,443
42,012
43,472
Holyoke, . .
9,147,193
137,695
137,695
49,201
50,508
Industrial, .
2,987,271
26,032
130,162
6,590
6,590
Lowell
2,048,797
33,276
33,276
6,800
7,300
Lumber
672,901
14,040
42,120
1,066
1,066
Lynn
458,520
6,314
12,627
1,711
1,733
Merchants' and Farmers',
5,080,839
78,230
78,230
30,284
33,653
Merrimack, . . . .
7,708,728
120,275
465,658
35,740
37,843
Middlesex, .
9,953,140
148,639
148,639
52,736
52,650
Milford,
812,255
11,194
11,194
7,016
6,103
Mutual Fire Assurance,
1,096,075
17,175
17,175
637
637
Mutual Protection,
656,592
10,226
10,226
1,261
1,261
Newburyport,
116,060
1,519
6,075
30
30
New England,
914,910
18,382
55,146
4,520
5,345
Norfolk, '
4,393,514
63,349
63,349
22,674
20,856
Old Colony
406,382
7,567
22,701
3,926
4,626
Paper Mill
2,657,665
25,282
126,411
3,853
3,853
Quincy
7,531,988
110,199
110,199
35,084
38,059
Rubber Manufacturers',
4,098,928
37,541
187,703
7,665
7,665
Salem
1,316,359
21,499
21,499
3,265
3,291
Salisbury and Amesbury,
20,560
169
1,694
-
-
Saugus
971,550
-
119,091
2,992
2,992
South Dan vers,
153,700
3,214
9,642
1,241
1,241
Standard, . . . .
1,080,443
14,570
14,570
3,400
3,400
Traders' and Mechanics',
9,395,031
147,065
147,065
53,357
54,973
Wachusett,
843,530
12,243
36,729
9,990
6,673
Western Massachusetts,
196,414
2,355
7,065
1,265
5,923
Westford, .
73,535
596
1,788
_
-
West Newbury,
231,500
-
13,311
2,694
2,694
Worcester Manufacturers', .
16,665,118
135,733
678,666
2,824
15,703
Worcester Mutual,
9,129,305
126,038
126,038
37,890
41,451
Totals, .
$268,690,956
$3,020,-504
$8,562,450
$811,487
$866,938
liv
REPORT OF THE
Table XIII. — Massachusetts Business for 1895 — Continued.
Massachusetts Mutual Fire-Marine Companies.
Fire Business.
NAME OP COMPANY.
•
Risks
Written.
Premiums
Received.
Losses
Paid.
Losses
Incurred.
$1,177,241
$16,594
$2,479
$3,135
Marine Business.
China Mutual,
India Mutual, ,
Totals,
$16,130,862
$16,130,862
$303,765
$303,765
$146,746
2,930
$149,676
$139,344
5,408
$144,752
Massachusetts Stock Companies.
Fire Business.
American
Firemen's Fire,
Mercantile Fire and Marine, ,
North American, .
Springfield Fire and Marine,
Totals, .
$5,743,907
8,720,211
7,099,243
13,686,196
17,563,176
$52,812,733
$49,979
74,756
60,483
113,324
176,997
$475,539
$25,217
20,474
14,251
48,483
65,593
$19,872
18,572
14,879
37,712
62,898
$174,018 $153,933
Marine Business.
Boston Marine,
Equitable Marine, .
Mercantile Fire and Marine,
Totals, .
$33,097,564
629,751
1,594,255
$35,321,570
$526,819
35,682
2,156
$564,657
$445,677
26,943
296
$472,916
$463,597
32,743
296
$496,636
INSURANCE COMMISSIONER.
lv
Table XIII. — Massachusetts Business for 1895 — Continued.
Companies of Other States.
Fire Business.
name of company.
Risks
Written.
Premiums
Received.
Losses
Paid.
Losses
Incurred.
^Etna,
Agricultural,
Albany,
American (Newark),
American Central, ....
American Fire (New York),
American Fire (Philadelphia),
Armenia,
Assurance Lloyds, ....
Buffalo German, ....
Capital Fire,
Citizens' (New York), .
Citizens' (St. Louis),
Commerce,
Commercial Union Fire,
Commonwealth, ....
Concordia, . . .
Connecticut Fire
Continental,
Delaware ' .
Detroit Fire and Marine,
Equitable Fire and Marine, .
Farragut,
Fire Association of Philadelphia,
Fire Insurance Co., County of Phila.,
Fireman's Fund
Firemen's (Newark), ...
Franklin Fire, .
German-American, .
Germania,
Girard Fire and Marine,
Glen's Falls
Globe Fire,
Granite State, . .
Greenwich
Hanover
Hartford,
Home
Insurance Co. of North America,
Insurance Co., State of Pennsylvania,
Lumbermen's,
Mechanics', . . . . .
Merchants' (Newark), . . .
Merchants' (Providence),
Michigan Fire and Marine, .
Middlesex Mutual, ....
Milwaukee Mechanics', .
Mutual Fire,
National,
Newark Fire,
New Hampshire, ....
New York,
Niagara,
Northwestern National,
Norwalk,
Norwood, . . . . . .
Orient,
$26,876,888
10,116,000
1,639,434
3,015,091
1,295,511
8,079,894
7,547,152
660,810
459,037
2,081,400
3,465,329
2,589,826
695,746
1,128,971
380,000
2,936,414
584,985
9,959,400
13,680,335
5,002,267
961,673
4,663,412
312,478
13,233,733
1,225,453
8,682,014
3,477,543
1,922,379
17,316,089
3,492,099
2,555,547
4,213,954
2,275,858
2,483,759
5,750,465
10,400,516
13,234,639
43,619,762
16,843,943
2,821,129
1,250,484
1,256,530
9,270,560
4,254,121
1,347,837
453,168
3,913,700
16,276,296
1,100,398
18,929,588
1,432,484
9,766,101
2,722,851
436,246
1,508,239
8,581,782
$282,593
89,696
18,806
26,556
14,052
101,115
84,564
7,288
4,751
22,232
47,955
25,683
7,844
13,360
2,810
18,515
5,838
117,522
151,019
53,942
8,326
48,174
4,274
168,094
14,804
93,284
35,934
22,036
169,435
34,064
24,381
38,439
21,168
88,263
54,018
124,325
215,883
317,092
210,881
31,108
11,630
15,820
84,131
43,231
13,799
3,494
52,679
166,069
14,020
194,133
8,424
115,629
26,570
4,947
19,263
89,045
$104,569
39,203
5,898
8,862
9,513
36,462
36,385
8,458
17,017
6,690
1,144
6,278
1,252
3,585
1,226
56,211
62,455
24,663
2,481
16,786
1,662
66,297
4,961
30,503
15,216
14,387
64,798
13,432
7,544
14,876
695
34,415
14,905
45,286
118,340
100,494
96,404
21,045
2,693
9,109
24,314
14,453
8.858
1,388
4,971
84,488
7,251
102,563
94
35,720
7,536
511
526
37,015
$108,635
41,785
6,716
8,696
7,965
31,314
33,082
8,872
17,675
7,353
1,189
4,842
1,265
85
711
49,455
61,893
20,041
2,536
15,618
1,662
68,283
4,522
29,039
13,765
15,392
69,077
10,272
7,569
15,446
1,381
36,379
14,602
46,285
120,165
110,701
92,632
15,437
2,683
7,561
27,118
13,591
9,585
1,054
5,071
74,190
4,497
101,531
94
35,211
7,487
513
970
34,545
lvi
REPORT OF THE
Table XIII. — Massachusetts Business for 1895 — Continued.
Companies op Other States.
Fire Business — Concluded.
NAME OP COMPANY.
Risks
Written.
Premiums
Received.
Losses
Paid.
Losses
Incurred.
Pacific,
Pennsylvania, .
Phenix (New York),
Phoenix (Hartford),
Providence Washington
Queen of America,
Reading, .
Reliance,
Rochester German,
Rutgers, .
Security, .
Spring Garden,
St. Paul Fire and Marine,
Traders', .
Union,
United Firemen's, .
United States Fire,
Westchester, .
Western, .
Williamsburgh City,
$2,284,737
9,053,621
19,781,733
12,321,740
8,466,401
12,002,031
3,287,584
2,188,645
3,026,284
927,180
3,742,551
7,462,709
4,223,965
461,312
3,584,559
2,012,237
3,043,840
7,582,992
807,865
2,459,980
Totals,
$452,903,286
$21,455
124,408
189,758
142,019
85,890
125,731
35,401
17,633
41,253
10,014
41,169
54,700
42,679
4,844
32,280
24,495
27,761
85,283
10,158
24,365
$4,824,304
$8,988
56,919
73,057
54,669
37,663
47,661
17,791
11,790
18,552
3,027
18,088
24,044
20,213
1,243
17,497
12,181
17,744
43,891
2,724
15,767
$1,959,397
$9,775
52,002
65,459
53,351
37,518
48,870
13,460
11,516
14,395
2,851
18,919
23,563
18,068
1,243
16,859
10,279
16,161
37,206
3,324
15,767
$1,898,624
Marine Business.
Atlantic Mutual
Delaware,
Insurance Co. of North America,
Providence Washington,
St. Paul Fire and Marine,
United States Lloyds, .
Totals
$13,850,759
5,343,400
35,742,771
5,554,412
80,181
6,808,049
$67,379,572
$103,618
35,801
158,763
44,265
2,667
21,967
$367,081
$43,799
41,820
95,024
19,382
15,712
5,639
21,376
$31,641
95,000
14,667
7,402
11,600
$160,310
United States Branches, Foreign Companies.
Fire Business.
Atlas Assurance, .
British America, .
Caledonian,
Commercial Union,
Hamburg-Bremen,
Imperial, ....
Lancashire, ....
Lion Fire, ....
Liverpool and London and Globe
London Assurance,
London and Lancashire,
Manchester Assurance, .
National of Ireland,*
North British and Mercantile,
Northern Assurance,
$5,882,282
3,217,670
5,978,000
13,207,342
2,536,430
11,680,634
8,012,342
2,053,875
34,551,438
6,637,556
10,968,826
9,134,893
15,018,663
10,706,541
$64,828
43,595
74,918
152,645
21,000
128,439
90,348
22,931
372,519
67,735
103,991
102,998
162,642
128,409
$26,970
21,885
35,114
74,851
707
60,789
42,746
13,190
149,306
22,619
55,820
69,549
80,254
60,095
$20,353
20,632
34,876
73,467
607
66,682
35,625
13,239
149,135
19,455
51,863
61,293
60,859
* No business transacted in Massachusetts.
INSURANCE COMMISSIONER.
lvii
Table XIII. — Massachusetts Business for 1895 — Concluded.
United States Branches, Foreign Companies.
Fire Business — Concluded.
name of company.
Risks
Written.
Premiums
Received.
Losses
Paid.
Losses
Incurred.
Norwich Union,
Palatine,
Phoenix Assurance,
Prussian National, .
Royal,
Royal Exchange, .
Scottish Union and National,
Sun
Union Society,
Western Assurance,
Totals
$9,458,066
15,208,434
9,812,472
1,164,606
31,088,932
794,617
12,175,460
16,148,350
4,281,709
5,377,332
$245,096,470
$101,896
171,125
117,930
13,262
376,462
6,913
109,317
150,314
37,342
73,512
$2,695,071
$43,568
72,902
45,352
9,421
183,093
385
43,913
64,232
12,935
28,078
$1,217,774
$40,708
70,978
40,847
7,291
176,316
385
38,053
83,144
12,925
28,591
$1,107,324
Marine Business.
British and Foreign Marine,
London Assurance,
Mannheim,
Marine of London,
Reliance Marine, .
Thames and Mersey Marine,
Union Marine,
Western Assurance,
Totals,
$109,629,723
6,424,982
4,747,349
70,172,326
2,370,204
1,829,726
124,388
406,932
$195,705,630
$486,077
15,419
14,923
47,519
14,194
8,794
1,475
8,895
$597,296
$331,645
15,360
14,363
17,667
5,786
1,603
421
9,317
$396,162
$342,290
17,884
18,609
17,667
5,941
1,603
5,409
$409,403
Recapitulation .
Fire Business.
Massachusetts Mutual Fire Companies,
Massachusetts Mutual Fire-Marine Com
panies,
Massachusetts Joint-Stock Companies,
Companies of other States, .
United States Branches,
Totals,
$268,690,956
1,177,241
52,812,733
452,903,286
245,096,470
$1,020,680,686
$3,020,504
16,594
475,539
4,824,304
2,695,071
$11,032,012
$811,487
2,479
174,018
1,959,397
1,217,774
$4,165,155
$866,938
3,135
153,933
1,898,624
1,107,324
$4,029,954
Marine Business.
Massachusetts Mutual Marine Companies,
Massachusetts Joint-Stock Companies,
Companies of other States
United States Branches, .
Totals,
$16,130,862
35,321,570
67,379,572
195,705,630
$314,537,634
$303,765
584,657
367,081
597,296
$1,832,799
$149,676
472,916
221,376
396,162
$1,240,130
$144,752
496,636
160,310
409,403
1,211,101
lviii
KEPORT OF THE
Table XIV. — Statement of the Receipts and Expenditures of the
Insurance Department for the Year ending Dec. 31, 1895.
[Made pursuant to Chap. 522, Sect. 17, Acts of 1894.]
Receipts.
Compensation for valuation of life insurance policies, .
License fees, filing statements, certificates, etc.,
$18,152 86
39,039 00
$57,191 86
Expenditures.
Commissioner.
George S. Merrill, Salary, .
Deputy Commissioner.
FrecTk L. Cutting, Salary, .
Actuary.
Emma W. Cushman, .
Clerks.
Henry M. Billings, First,
Arthur E. Linn ell, Second, .
William O. Richardson, Third,
A. M. Hawes,
C. E. Weis, .
M. E. Burrill,
E. L. Johnson,
S.E.Flint, .
F. M. Page, .
F. M. Robbins,
M F. Whipple,
V.I. Bryant,.
G. M. Hall, .
G. C. Studley,
M L. McMann,
F. E. Gowell,
G. L. Moore, .
L. H. Young,
I. L Baker, .
L. E. Brickett,
C. L. Sawyer,
G. H. Manks,
J. S. Davis, .
L. W. Whipple,
Extra Clerks.
Amount carried forward.
$2,000 00
1,500 00
1,200 00
$1,200 00
1,000 00
1,000 00
1,000 00
1,000 00
1,000 00
1,000 00
1,000 00
875 00
850 00
850 00
840 00
840 00
840 00
840 00
730 00
600 00
490 00
410 00
150 00
70 00
53,500 00
2,500 00
2,000 00
4,700 00
16,585 00
$29,285 00
INSURANCE COMMISSIONER.
lix
Table XIV. — Statement of the Receipts, etc. — Concluded.
Amount brought forward.
Expenses.
Printing and binding, .
Postage,
Travelling expenses, .
Index cabinet and cards,
Stationery and supplies,
Express, telegrams and telephone,
Stenographic work, etc.,
Books, newspapers, etc.,
Total expenditures for 1895,
Fees collected and paid into State Treasury,
Surplus accrued to Commonwealth,
:,890 66
895 82
565 07
871 25
317 45
204 99
174 52
68 90
$29,285 00
4,488 66
$33,773 66
57,191 86
$23,418 20
MASSACHUSETTS MUTUAL
FIRE INSURANCE COMPANIES
Detailed Statement of Assets and Liabilities, with Abstract
of Annual Statements for the Year ending
December 31, 1895.
ABINGTON MUTUAL FIRE INSURANCE CO.
DETAILED STATEMENTS OF ASSETS AND LIABILITIES.
ABINGTON MUTUAL FIRE INSURANCE COMPANY,
ABINGTON.
[Incorporated May 30, 1856. Commenced business June 15, 1857.]
HENRY B. PEIRCE, President. CARLOS P. FAUNCE, Secretary.
Amount of permanent fund, . . » . . . . $41,728 54
Detailed Statement of Stocks, Bonds, etc.
N. E. Telephone and Telegraph Co. bonds,
Boston United Gas Co. bonds, .
Marion County (Ind.) bonds, .
Ramsey County (Minn.) bonds,
Equitable Securities Co. debenture bonds,
Toledo (Ohio) city bonds,
Lincoln (Neb.) city bonds,
St. Paul (Minn.) city bonds,
Chicago, Burlington & Quincy R.R» bonds,
Portland & Ogdensburg R.R. bonds,
Naurakeag Street Railway bonds, .
East Middlesex Street Railway bonds,
Trenton Passenger Railway bonds, .
20 shares Oregon Railway & Navigation Co.,
10 " State National Bank, Boston, .
10 " Nat'l Hide and Leather Bank, Boston
34 " Metropolitan National Bank, Boston
5 " Old Boston National Bank, Boston,
20 " South End National Bank, Boston,
13 " Abington National Bank, Abington,
5 " Whitman National Bank, Whitman,
14 " First National Bank, Salem,
21 " First National Bank, Dan vers, .
Rockland & Abington Street Railway,
Securities held as collateral for cash loans :
Rockland & Abington Street Railway,
Par Value.
$1,000 00
2,000 00
1,000 00
3,000 00
1,030 00
1,000 00
2,000 00
1,000 00
2,500 00
5,000 00
3,000 00
1,000 00
2,000 00
2,000 00
1,000 00
1,000 00
3,400 00
500 00
2,000 00
1,300 00
500 00
1,400 00
1,575 00
1,000 00
Market Value.
$1,030 00
1,580 00
1,032 50
3,230 00
1,030 00
1,122 50
2,000 00
1,220 00
2,500 00
5,200 00
3,000 00
1,000 00
2,240 00
400 00
1,100 00
1,062 50
3,230 00
552 50
1,500 00
1,625 00
510 00
1,261 75
1,585 50
1,120 00
$41,205 00 $40,132 25
Market Value. Loaned Thereon.
$500 00 $300 00
ABINGTON MUTUAL FIRE INSURANCE CO.
Summary of Assets Dec
Cash value of unencumbered real estate,
Loans on mortgage of real estate (first liens*)
Stocks, bonds, etc., as per schedule,
Loans on collateral security, as per schedule,
Loans on personal security,
Cash in the office of the company, .
Cash deposited in bank, .
Premiums in course of collection (gross)
Interest due and accrued, .
Rents due and accrued,
Due for reinsurance, ....
Balance due on real estate sold,
Gross assets, ....
31, 1895.
$4,000 00
31,880 00
40,132 25
300 00
500 00
902 25
1,061 33
2,012 75
1,082 06
18 67
1 72
2,910 93
$84,801 96
Liabilities.
Losses adjusted, unpaid, .
Losses claimed and reported, .
Total amount of losses, ....
Less reinsurance, .....
Net amount of unpaid losses, .
Unearned premiums on outstanding risks,
Surplus due on terminated policies, .
Commissions and brokerage, . .
Rents, salaries and incidental expenses, .
Gross liabilities,
Net cash assets, .
$8,960 66
411 85
$9,372 51
2,750 00
$6,622 51
62,284 24
1,062 81
306 93
229 75
70,506 24
f 14,295 72
Income.
Premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed, .
Total,
Premiums now in course of collection, .
Entire premiums collected,
Less reinsurance and return premiums, .
Net cash premiums received, .
Received for extra premiums, .
Interest received on mortgages,
Interest and dividends received from all other
Income from rents, .
Income from all other sources,
Gross cash income, .
f 2,440 52
43,575 70
$46,016 22
2,012 75
$44,003 47
2,485 95
sources,
|41,517 52
563 75
2,049 32
2,260 71
271 00
296 86
$46,959 16
* Value of lands mortgaged, .
Value of buildings thereon,
Amount of insurance held as collateral,
$14,317 00
42,483 00
36,850 00
ANNISQUAM MUTUAL FIRE INSURANCE CO.
Expenditures.
Cash paid for losses, ......
Deduct salvage and reinsurance,
Net cash paid for losses, .....
Cash paid as profits on terminated policies,
for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for rents,
for incidentals,
$14,484 29
182 06
Gross cash expenditures,
$14,302 23
16,968 00
6,611 40
3,647 01
579 36
579 00
1,696 33
$44,383 33
Risks and Premiums.
Amount. Cash Prem's. Conting't Prem's.
Risks outstanding Dec. 31,1894, $8,444,380 00 $126,690 88 $126,690 88
Risks written during 1895, . 2,996,478 00 43,575 70 43,575 70
Total, .
Risks terminated during 1895,
In force at end of year, .
Deduct amount reinsured,
Net amount in force, .
$11,440,858 00 $170,266 58 $170,266 58
3,105,262 00 45,460 61 45,460 61
1,335,596 00 $124,805 97 $124,805 97
142,180 00 1,968 62 1,968 62
5,193,416 00 $122,837 35 $122,837 35
Miscellaneous.
Losses incurred during the year, $22,873 00
Percentage of profits or surplus returned during 1895, 25, 40, 60 per cent.
ANNISQCAM MUTUAL FIRE INSURANCE COMPANY,
GLOUCESTER.
[Incorporated March 1, 1847. Commenced business Dec. 28, 1847.]
ELIAS DAVIS, President. JAMES S. JEWETT, Secretary.
[Note. — This company charges a cash premium adequate for expenses only, and relies upon
assessments on deposit notes to pay losses.]
Amount of permanent fund Dec. 31, 1894,
Increase during the year,
Permanent fund Dec. 31, 1895,
$437 50
70 93
$508 43
Detailed Statement of Stocks, Bonds, etc.
United States bonds,
Par Value.
$500 00
Market Value.
$545 00
ARKWRIGITT MUTUAL FIRE INSURANCE CO.
- r )
Summary of Assets Dec. 31, 1895.
Loans on mortgage of real estate (first liens*), $3,125 00
United States bonds,
Cash in the office of the company, .
Cash deposited in bank,
Interest due and accrued, ....
Office safe, $85 00
Gross assets,
545
00
23
29
4,400
81
118
59
Liabilities.
Return assessments on cancelled policies,
Gross liabilities, ....
$61 59
Income.
Cash received from assessments,
Interest received on mortgages,
Interest and dividends received from all other sources, .
Gross cash income,
Expenditures.
Cash paid for salaries of officers and employees,
Cash paid for rents, postage, etc., .
Gross cash expenditures,
Risks and Premiums.
Amount.
Risks outstanding Dec. 31, 1894, . . . $336,295 00
Risks written during 1895,
Total, .....
Deduct risks expired and terminated,
In force at end of year, .
91,250 00
$427,545 00
84.750 00
§8,212 69
$61 59
$309 82
102 24
20 00
§432 06
$350 00
15 69
$365 69
Conting't Prem's.
$20,495 95
6,029 00
$26,524 95
5,486 50
$342,795 00 $21,038 45
ARKWRIGHT MUTUAL FIRE INSURANCE COMPANY, BOSTON.
[Incorporated Feb. 8, 1860. Commenced business Oct. 1, I860.]
R. W. TOPPAN, President. D. W. BARTLETT, Secretary.
Office, No. 31 Milk Street.
Detailed Statement of Stocks, Bonds, etc.
Par Value. Market Value.
United States bonds, . . . . . $25,000 00 $27,500 00
Cambridge city bonds, .... . . 15,000 00 16,050 00
Boston city bonds, 20,000 00 22,850 00
Providence city bonds, 20,000 00 21,200 00
*, Value of lands mortgaged, .
Value of buildings thereon, .
Amount of insurance held as collateral,
$2,900 00
4,600 00
4,600 00
ARKWRIGHT MUTUAL EIRE INSURANCE CO.
Waltham city bonds,
Lowell city bonds, .
Springfield city bonds,
Worcester cit}' bonds,
Fitchburg Railroad bonds,
Eastern Railroad bonds, .
Old Colony Railroad bonds,
Boston & Lowell Railroad bonds,
Chicago, Burlington & Quincy R.R. bonds,
Boston & Maine Railroad bonds,
Philadelphia, Wilm. & Baltimore R.R. bonds
New York, Providence & Boston R.R. bonds,
Boston & Providence Railroad bonds,
Lake Shore & Michigan Southern R.R. bonds,
Pennsylvania Company Railroad bonds, .
Chicago June. R.R. & Union Stfk Y'ds bonds,
50 shares Chicago, Burlington & Quincy R.R ,
New York, New Haven & Hartford notes,
Par Value.
$10,000 00
20,000 00
20,000 00
25,000 00
10,000 00
35,000 00
47,000 00
55,000 00
50,000 00
20,000 00
20,000 00
10,000 00
20,000 00
30,000 00
30,000 00
25,000 00
5,000 00
100,000 00
Market Value.
$10,300 00
21,800 00
20,400 00
24,750 00
10,000 00
41,300 00
49,610 00
57,750 00
54,400 00
21,000 00
22,000 00
10,000 00
21,000 00
36,000 00
33,600 00
27,000 00
3,850 00
100,000 00
$612,000 00 $652,360 00
Summary of Assets Dec. 31, 1895.
Stocks, bonds, etc., as per schedule, . . $652,360 00
Cash loans, 5,333 36
Cash in the office of the company, . . . 484 15
Cash deposited in bank, ..... 53,265 45
Interest clue and accrued, . . . . 9,348 42
Premiums in course of collection (gross), . 2,946 58
Gross assets, . , . . . .
Liabilities.
Losses adjusted, unpaid, $85,000 00
Losses claimed and reported, .... 38,496 68
Unearned premiums on outstanding risks, . 367,503 09
State and local taxes, 1,169 78
Gross liabilities, ... . . .
Net cash assets, , . . . , . .
Income.
Premiums outstanding Dec. 31, 1894, . . $1,969 70
Premiums on risks written or renewed, . . 768,115 30
Total, .......... $ 770,085 00
Premiums now in course of collection, . . 2,946 58
Entire premiums collected, .... f 767,138 42
Less reinsurance and return premiums, . . 27,340 70
Net cash premiums received, ....
Interest and dividends received from all sources, . .
Gross cash income, . , , , . .
$723,737 96
492,169 55
$231,568 41
$739,797 72
* 29,423 86
,221 58
ASHFIELD MUTUAL FIRE INSURANCE CO.
Expenditures.
Cash paid for losses,
as profits on terminated policies, .
for salaries of officers and employees,
for State and local taxes,
for rents,
for inspections, ....
for incidentals, ....
$173,701 04
627,417 80
22,111 66
7,481 46
1,428 80
14,160 72
6,727 20
Gross cash expenditures, ....... $853,028 68
Risks and Premiums.
Amount. Cash Prem's. Conting't Prem's.
Risks outstanding Dec. 31,1894, $94,404,582 00 $758,884 65 $3,794,423 25
Risks written during 1895, . 96,127,601 00 768,115 30 3,840,576 50
Total, .... $190,532,183 00 $1,526,999 95 $7,634,999 75
Deduct risks expired and ter-
minated, .... 98,514,789 00 791,993 76 3,959,968 80
In force at end of year, . . $92,017,394 00 $735,006 19 $3,675,030 95
Miscellaneous.
Losses incurred during the year, ...... $295,544 00
Percentage of profits or surplus returned during 1895, 82 T $ 7 per cent.
ASHFIELD MUTUAL FIRE INSURANCE COMPANY, ASHFIELD.
[Incorporated June 4, 1873. Commenced business July 19, 1873.]
CHARLES HOWES, President. HENRY S. RANNEY, Secretary.
[Note. — Tbjs company insures property in the town of Ashfiekl only.]
Summary op Assets Dec. 31, 1895.
Cash deposited in bank, $577 77
Gross assets, ...... — $577 77
Income.
Net cash premiums received, ....... $ 34 68
Interest and dividends received from all sources, ... 30 46
Gross cash income, $65 14
Expenditures.
Net cash paid for losses,
Cash paid for salaries of officers and employees, .
Cash paid for State andlocal taxes, ....
Gross cash expenditures, $468 00
$425 00
42 75
25
8
ATLAS MUTUAL FIRE INSURANCE CO.
Risks and Premiums.
Risks outstanding Dec. 31, 1894,
Risks written during 1895,
Total
Deduct risks expired and terminated,
In force at end of year,
Miscellaneous
Losses incurred during the year,
Amount. Conting't Prem's.
$49,488 00 $1,525 88
6,931 00 207 94
$56,419 00
5,706 00
$50,713 00
.,733 82
183 19
1,550 63
$425 00
ATLAS MUTUAL FIRE INSURANCE COMPANY, BOSTON.
[Incorporated February, 1892. Commenced business June 15, 1892.]
JOHN A. PRAY, President. ARTHUR F. JONES, Secretary.
Office, 2 Mason Building.
Amount of permanent fund Dec. 31, 1895, ....
Detailed Statement of Stocks, Bonds, etc.
Par Value.
(Fitchburg Railroad bonds, .... $20,000 00
Eastern Railroad bonds, 5,000 00
Boston city bonds, . . . . . . . 5,000 00
St. Johnsbury & Lake Champlain Railroad, . 10,000 00
Boston & Albany Railroad bonds, . . . 5,000 00
-Old Colony Railroad bonds, .... 25,000 00
Summary of Assets Dec
Stocks, bonds, etc., as per schedule,
Cash deposited in bank, ....
Interest due and accrued,
Premiums in course of collection (gross),
Gross assets,
Liabilities.
Losses claimed and reported,
Less reinsurance,
Net amount of unpaid losses, .
Unearned premiums on outstanding risks,
Return premiums on cancelled policies, .
Surplus due on terminated policies ,
Commissions and brokerage, .
Gross liabilities,
Net cash assets, .....
$70,000 00
31, 1895.
$77,725 00
64,445 89
1,033 00
60,992 57
$34,700 00
27,954 53
$6,745 47
117,650 44
689 01
2,194 00
22,183 91
$10,000 00
Market Value.
$21,550 00
6,000 00
5,625 00
12,100 00
5,325 00
27,125 00
$77,725 00
$204,196 46
149,462 83
$54,733 63
ATLAS MUTUAL FIRE INSURANCE CO. 9
Income.
Premiums outstanding Dec. 31, 1894, . . $78,476 45
Premiums on risks written or renewed, . . 301,916 30
Total, $380,392 75
Premiums now in course of collection, . . 60,992 57
Entire premiums collected, .... $319,400 18
Less reinsurance and return premiums, . . 94,395 77
Net cash premiums received, $225,004 41
Interest and dividends received from all sources, . . . 3,417 65
Gross cash income, $228,422 06
Expenditures.
Cash paid for losses, $155,616 24
Deduct salvage and reinsurance, . . . 11,398 65
Net cash paid for losses,
Cash paid as profits on terminated policies, .
for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
$144,217 59
3,089 88
24,282 31
6,488 89
4,280 65
Gross cash expenditures, . $182,359 32
Risks and Premiums.
Amount. Cash Prem's. Contlng't Prem'a.
Risks outstanding Dec. 31, 1894, $21,908,569 00 $300,020 47 $900,061 41
Risks written during 1895, . 23,774,568 00 301,916 30 905,748 90
Total, $45,683,137 00 $601,936 77 $1,805,810 31
Risks terminated during 1895, . 28,146,855 00 366,630 52 1,099,891 56
In force at end of year, . .$17,536,282 00 $235,306 25 $705,918 75
Deduct amount reinsured, . 49,500 00 722 50 2,167 50
Net amount in force, . . $17,486,782 00 $234,583 75 $703,751 25
Miscellaneous.
Losses incurred during the year, $146,641 00
Percentage of profits or surplus returned during 1895, 10 per cent.
10
ATTLEBOROUGH MUTUAL FIRE INSURANCE CO.
ATTLEBOROUGH MUTUAL FIRE INSURANCE COMPANY,
ATTLEBOROUGH.
[Incorporated Feb. 24, 1844. Commenced business July, 1845.]
EVERETT S. CAPRON, President. ELIJAH R. READ, Secretary.
Amount of permanent fund, . . . . , , . $16,550 59
Summary of Assets Dec. 31, 1895.
Loans on mortgage of real estate (first liens*), $14,592 00
Attleborough town loan, ....
Cash in the office of the company, .
Cash deposited in bank, ....
Premiums in course of collection (gross),
Interest due and accrued,
Gross assets, .•»■..
6,000 00
96 52
7,328 27
47 20
391 07
,455 06
Liabilities.
Unearned premiums on outstanding risks,
Gross liabilities, ....
Net cash assets, ,
$5,743 69
5,743 69
22,711 37
Income.
Premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed, .
$57 49
2,356 15
Total,
Premiums now in course of collection, .
$2,413 64
47 20
Entire premiums collected,
Less reinsurance and return premiums, .
Net cash premiums received, .
Received for extra premiums, .
Interest received on mortgages,
Interest and dividends received from all other
$2,366 44
79 21
$2,287 23
16 80
1,023 87
81 00
■ • i
sources, .
$3,408 90
Expenditures.
Cash paid for losses, ....
for salaries of officers and employe
for state and local taxes,
for incidentals, . , ,
es, .
» • t * .
■ i •
$788 38
661 00
22 63
74 58
Gross cash expenditures, .
$1,546 59
Value of buildings thereon, » . .
Amount of insurance held as collateral, . .
$10,000 00
22,800 00
16,050 00
BA UNSTABLE COUNTY MUTUAL FIRE INSURANCE CO.
11
Risks and Premiums.
Amount.
RisksoutstandingDec.31,1894, $2,053,976 00
Risks written during 1895, . 415,518 00
Total, $2,469,494 00
Risks terminated during 1895, . 377,308 00
In force at end of year, . . $2,092,186 00
Miscellaneous.
Losses incurred during the year, . .
Cash Prem's.
$11,135 42
2,356 15
$13,491 57
1,943 46
Conting't Prem's.
$22,270 84
4,712 30
$26,983 14
3,886 92
$11,548 11 $23,096 22
$788 00
BARNSTABLE COUNTY MUTUAL FIRE INSURANCE COMPANY,
YARMOUTHPORT.
[Incorporated March 2, 1833. Commenced business Aug. 1, 1833.]
SIMEON ATWOOD, President. FRANK THACHER, Secretary.
Amount of permanent fund, . $57,365 80
Detailed Statement of Stocks,
13 shares Winthrop National Bank, Boston,
20 '
25 '
10 «
8 «
5 '
15 «
30 '
10 «
10 '
50 '
63 «
49 '
8 '
1 State National Bank, Boston, .
■ Tremont National Bank, Boston,
1 Massachusetts Natl Bank, Boston,
1 Shawmut National Bank, Boston,
1 Natl Bank of the Republic, Boston
'• . Natl Bank of Redemption, Boston,
First National Bank, Yarmouth,
1 First National Bank, Hyannis,
1 Falmouth National Bank,
' Massachusetts Real Estate Co.,
' Old Colony Railroad,
' Union Pacific Railroad,
1 Central Pacific Railroad,
National Tube Works Co. stock,
Fall River city bonds,
Old Colony Railroad bonds,
Boston & Maine Railroad bonds,
Fitchburg Railroad bonds,
Iowa Falls & Sioux City Railroad bonds,
Chicago & E. Illinois Railroad bonds,
Oregon Short Line R.R. stock and bonds,
Illinois Steel Company bonds, .
Western farm mortgage bonds,
Bonds, etc.
Par Value.
$1,300 00
2,000 00
2,500 00
1,000 00
800 00
500 00
1,500 00
3,000 00
1,000 00
1,000 00
5,000 00
6,300 00
4,900 00
650 00
9,900 00
1,000 00
5,000 00
12,000 00
5,000 00
2,000 00
2,500 00
1,000 00
1,000 00
800 00
Market Value.
$1,703 00
2,185 00
2,325 00
957 50
860 00
760 00
1,815 00
3,900 00
1,100 00
1,100 00
5,000 00
11,151 00
206 25
140 00
8,700 00
1,165 00
5,100 00
12,240 00
4,970 00
2,500 00
2,900 00
570 00
850 00
800 00
$71,650 00 $72,997 75
12
BARNSTABLE COUNTY MUTUAL FIRE INSURANCE CO.
Summary op Assets Dec. 31, 1895.
Cash value of unencumbered real estate, . $2,000 00
Loans on mortgage of real estate (first liens*), 700 00
Stocks, bonds, etc., as per schedule, . . . 72,997 75
Loans on personal security, .... 4,400 00
Cash in the office of the company, . . . 1,230 28
Cash deposited in bank, . . . . . 5,871 65
Interest due and accrued, 1,768 15
Gross assets,
Liabilities.
Unearned premiums on outstanding risks, , $16,376 02
Taxes accrued, 61 38
Gross liabilities,
Net cash assets,
Income.
Net cash premiums received,
Received for extra premiums,
Interest received on mortgages, ....
Interest and dividends received from all other sources,
Gross cash income,
,967 83
46,437 40
$42,530 43
$38,439 76
1,039 80
21 00
2,798 89
$42,299 45
Expenditures.
Net cash paid for losses,
Cash paid as profits on terminated policies, .
for salaries of officers and employees,
for State and local taxes,
for rent and incidentals, .
for profit and loss, ....
Gross cash expenditures, . .
$4,153 50
26,374 79
6,123 25
394 08
689 25
• 3,400 00
$41,134 87
Risks and Premiums.
* Amount. Cash Prem's.
Risks outstanding Dec. 31, 1894, $7,194,906 00 $122,244 18
Risks written during 1895, . 2,223,665 00 38,439 76
Total, $9,418,57100 $160,683 94
Risks terminated during 1895, . 2,138,079 00 35,819 13
Conting't Prem's.
$366,732 54
115,319 28
$482,051 82
107,457 39
In force at end of year, .
',280,492 00 $124,864 81 $374,594 43
Miscellaneous.
Losses incurred during the year, $3,603 00
Percentage of profits or surplus returned during 1895, 70 and 80 per cent.
* Value of lands mortgaged, .
Value of buildings thereon,
Amount of insurance held as collateral,
$100
900
700
BERKSHIRE MUTUAL FIRE INSURANCE CO.
13
BERKSHIRE MUTUAL FIRE INSURANCE COMPANY,
PITTSFIELD.
[Incorporated March, 1835. Commenced business August, 1835.]
FRANK W. HINSDALE, President. JOHN M. STEVENSON, Secretary.
Amount of permanent fund,
$57,271 91
Detailed Statement of Stocks,
Western Union Telegraph Co. bonds,
Chicago & Western Indiana Railroad bonds,
Baltimore & Ohio Railroad bonds, .
St. Paul & Sioux City Railroad bonds,
100 shares Boston & Albany Railroad, .
119
50
19
100
55
10
12
15
16
10
" N. Y. Cent. & Hudson River R.R.
" Chicago, Burlington & Quincy R.R.
" New Hampshire Trust Go., .
" Adams Express Co.,
" Pittsfield National Bank, Pittsfield
" Agricultural Natl Bank, Pittsfield
" Third National Bank, Pittsfield,
" First National Bank, Adams,
" Adams Natl Bank, North Adams,
" Lenox National Bank, Lenox,
8 " Lee National Bank,
Pittsfield Electric Street Railway Co.,
Summary of Assets Dec
Cash value of unencumbered real estate,
Stocks, bonds, etc., as per schedule,
All other cash loans,
Cash in the office of the company, .
Cash deposited in bank, . .
Interest due and accrued,
Premiums in course of collection (gross)
Gross assets, .
Bonds, etc.
Par Value.
$5,000 00
5,000 00
2,000 00
1,000 00
10,000 00
11,900 00
5,000 00
1,900 00
10,000 00
5,500 00
1,000 00
1,200 00
1,500 00
1,600 00
1,000 00
800 00
2,500 00
31,
Market Value.
$5,410 00
5,900 00
2,240 00
1,240 00
20,800 00
11,662 00
3,800 00
950 00
15,000 00
8,800 00
2,500 00
2,400 00
2,025 00
2,160 00
1,400 00
1,120 00
2,500 00
$66,900 00 f 89,907 00
1895.
$1 1,000 00
89,907 00
5,000 00
1,462 72
709 84
186 02
1,295 91
,561 49
Liabilities.
Unearned premiums on outstanding risks,
Return premiums on cancelled policies, .
Surplus due on terminated policies,
State and local taxes,
Commissions and brokerage, .
Gross liabilities,
Net cash assets, ....
$64,621 26
93 05
512 35
68 96
144 65
65,440 27
$44,121 22
14
BERKSHIRE MUTUAL FIRE INSURANCE CO.
Income.
Premiums outstanding Dec. 31, 1894,
Same not collected, ....
Net collected, ....
Premiums on risks written or renewed,
Total
Premiums now in course of collection,
Entire premiums collected,
Less reinsurance and return premiums,
Net cash premiums received, .
Received for extra premiums, .
Interest and dividends received from all
Income from rents, ....
Gross cash income,
$1,144 72
76 75
$1,067 97
33,972 82
$35,040 79
1,295 91
,744 88
1,142 47
sources, .
f 32,602 41
444 69
4,472 64
977 53
$38,497 27
Expenditures.
Cash paid for losses, .....
as profits on terminated policies,
for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for incidentals, ....
. Gross cash expenditures, ....
$18,629 00
16,095 56
3,968 52
3,204 00
400 28
1,472 35
43,769 71
Risks and Premiums.
Amount. Cash Prem's. Conting't Prems.
Risks outstanding Dec. 31,1894, 18,750,550 00 $120,355 39 $120,355 39
Risks written during 1895, . 2,472,01100 33,972 82 33,972 82
Total, $11,222,561 00 $154,328 21 $154,328 21
Risks terminated during 1895, . 1,973,534 00 26,474 21 26,474 21
In force at end of year,
Deduct amount reinsured,
Net amount in force, .
1,249,027 00 $127,854 00 $127,854 00
12,000 00 122 26 122 26
1,237,027 00 $127,731 74 $127,731 74
Miscellaneous.
Losses incurred during the year, $18,629 00
Percentage of profits or surplus returned during 1895, 25, 50, 70 per cent.
BOSTON MANUFACTURERS FIRE INSURANCE CO.
15
BOSTON MANUFACTURERS' FIRE INSURANCE COMPANY,
BOSTON.
[Incorporated March 15, 1850. Commenced business Oct. 15, 1850.]
EDWARD ATKINSON, President. FRANCIS K. ROBINSON, Secretary.
Office, 31 Milk Street.
Detailed Statement of Stocks, Bonds, etc.
Phila., Wil. & Baltimore R.R. bonds
Chicago, Burl. & Quincy R R. bonds
Old Colony R.R. bonds, .
Burl. & Missouri River R.R. bonds,
Pennsylvania Company bonds,
West Shore R.R. bonds, .
Boston & Lowell R.R. bonds, .
New Jersey Central R.R. bonds,
Rome, Watertown & Ogdensburg R.R. bonds,
Lehigh Valley R.R. bonds,
Eastern RE. bonds,
United New Jersey Railway & Canal Co. bonds
Baltimore & Ohio R.R. bonds, .
Tar Value.
$40,000 00
50,000 00
120,000 00
30,000 00
30,000 00
50,000 00
50,000 00
50,000 00
50,000 00
25,000 00
25,000 00
50,000 00
50,000 00
Stocks, bonds, etc., as per schedule,
Cash loans, ....
Cash in the office of the company,
Interest accrued,
Gross assets,
$620,000 00
Summary of Assets Dec. 31, 1895.
$689,125 00
10,522 02
1,675 07
Market Value.
$45,000 00
54,250 00
130,125 00
34,950 00
34,050 00
52,750 00
51,500 00
59,000 00
58,125 00
27,750 00
30,250 00
57,500 00
53,875 00
,125 00
4,995 84
$706,317 93
Liabilities.
Losses claimed and reported, .... $9,367 79
Unearned premiums on outstanding risks, . 423,85191
State and local taxes, 1,317 71
Gross liabilities, .....
Net cash assets,
434,537 41
$271,780 52
Income.
Premiums on risks written or renewed, .
Less reinsurance and return premiums, .
,870 03
35,407 83
Net cash premiums received, . . . . . . . $855,462 20
Interest and dividends received from all sources, . . . 43,734 12
Gross cash income,
f899,196 32
16
BRISTOL COUNTY MUTUAL FIRE INSURANCE CO.
Expenditures.
Cash paid for losses,
as profits on terminated policies, .
for salaries of officers and employees,
for State and local taxes,
for rents,
for inspections and plans,
for incidentals, ....
Gross cash expenditures, ,
$ 323,406 07
715,770 19
33,555 65
8,649 80
1,932 04
16,251 85
11,805 71
11,111,371 31
Risks and Premiums.
Amount. Cash Prem's. Conting't Prem'8.
Risks outstanding Dec. 31, 1894, $107,572,032 00 $866,327 38 $4,331,636 90
Risks written during 1895, . 111,725,099 00 890,870 03 4,454,350 15
Total, ..... $219,297,131 00 $1,757,197 41 $8,785,987 05
Risks terminated during 1895, 113,164,883 00 909,493 59 4,547,467 95
In force at end of year, . . $106,132,248 QO $847,703 82 $4,238,519 10
Miscellaneous.
Losses incurred during the year, . . . . . . $332,774 00
Percentage of profits or surplus returned during 1895, 81^ per cent.
BRISTOL COUNTY MUTUAL FIRE INSURANCE COMPANY,
NEW BEDFORD.
[Incorporated Feb. 29, 1829. Commenced business July 4, 1829.]
JAMES TAYLOR, President. GEO. N. ALDEN, Secretary.
[N-OTE. — Policies are all issued for five years, ten per cent, of tbe premium note being
received in cash at the time of issuing the policy. The notes are assessed as necessity requires*
No cash funds are accumulated.]
Summary of Assets Dec. 31, 1895.
Cash in the office of the company, . . . $138 06
Cash deposited in bank, 1,697 71
Premiums in course of collection (gross), . 245 34
Premiums more than three months due, $26 80
Gross assets, . . . . . .
!,081 11
Liabilities.
Commissions and brokerage, .
Taxes accrued, .
Gross liabilities, , ,
$17 29
7 29
$24 58
CAMBRIDGE MUTUAL FIRE INSURANCE CO.
17
Income.
Premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed, .
Total,
Premiums now in course of collection, .
Entire premiums collected,
Less reinsurance and return premiums, .
Net cash premiums received, .
Received for extra premiums, .
Income from policy fees, ....
Income from assessments on deposit notes,
Gross cash income,
Expenditures.
Net cash paid for losses, . . . .
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for incidentals,
Gross cash expenditures, .
Risks and Premiums.
Risks outstanding Dec. 31, 1894,
Risks written during 1895,
$98 21
4,552 60
$4,650 81
245 34
$4,405
197
47
76
$4,207 71
90
30
7
75
3
60
$4,309
36
$497
16
235
58
1,037
51
47
95
371
54
Amount.
>,189 74
Contlng't Prem's.
Total, .
Deduct risks expired and terminated,
In force at end of year, .
Miscellaneous
Losses incurred during the year,
>,859,996 00 $242,925 00
674,730 00 45,526 00
1,534,726 00 $288,451 00
917,696 00 94,415 00
1,617,030 00 $194,036 00
$497 00
CAMBRIDGE MUTUAL FIRE INSURANCE COMPANY,
CAMBRIDGE.
[Incorporated March 13, 1833. Commenced business Jan. 1, 183L]
DANA W. HYDE, President. ALFRED L. BARBOUR, Secretary.
Amount of permanent fund, $135,469 78
Detailed Statement of Stocks, Bonds, etc.
Par Value. Market Value.
Cambridge city bonds, ..... $2,000 00 $2,400 00
Boston city bonds, 5,000 00 5,000 00
Portland city bonds, 10,000 00 12,200 00
Belfast city bonds, 2,000 00 2,100 00
18
CAMBEIDGE MUTUAL FIRE INSURANCE CO.
Highland Street Railway bonds,
Eastern Railroad bonds, .
Boston & Lowell Railroad bonds,
Fitchburg Railroad bonds,
15 shares National City Bank, Cambridge,
1 share Framingham National Bank,
Par Value.
84,000 00
1,500 00
5,000 00
1,000 00
1,500 00
100 00
Market Value.
$4,400 00
1,740 00
5,000 00
1,000 00
2,250 00
150 00
832,100 00 836,240 00
Summary of Assets Dec. 31, 1895.
Cash value of unencumbered real estate,
Loans on mortgage of real estate (first liens*),
Interest due or accrued thereon,
Stocks, bonds, etc., as per schedule,
Cash loans,
Cash in the office of the company, .
Cash deposited in bank, ....
Interest due and accrued, ....
Premiums in course of collection (gross),
Rents due and accrued, ....
Premiums more than three mos. due, 82,347 72
.Gross assets, . . .
Liabilities.
Losses adjusted, unpaid, ....
Losses claimed and reported, .
Unearned premiums on outstanding risks,
Return premiums on cancelled policies, .
Commissions and brokerage, .
Gross liabilities, ,
859,750 00
110,683 00
2,791 27
36,240 00
3,000 00
1,593 45
3,813 52
483 92
14,061 20
2,641 34
$4,085 00
2,000 00
137,699 83
3,322 36
2,386 63
$235,057 70
149,493 82
Net cash assets, .
885,563 88
Income.
Premiums outstanding Dec. 31, 1894,
Same not collected,
$12,902 40
197 77
Net collected,
Premiums on risks written or renewed, .
812,704 63
81,959 92
Total, .......
Premiums now in course of collection, .
894,664 55
16,408 92
Entire premiums collected,
Less reinsurance and return premiums, .
Net cash premiums received, .
878,255 63
3,358 42
Q7A QQ7 Ol
Amount of insurance held as collateral,
128,400 00
CENTRAL MUTUAL FIRE INSURANCE CO.
19
Received for extra premiums,
Interest received on mortgages, ....
Interest and dividends received from all other sources,
Income from rents,
Gross cash income, .
Expenditures.
Cash paid for losses,
as profits on terminated policies,
for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for rents, $1,000.00; cost of inspection,
for incidentals, ....
for repairs on real estate,
Gross cash expenditures, ....
.,587.92,
M015 41
3,603 78
2,234 52
5,554 01
$87,334 93
$22,583
47
33,177
37
11,155
15
7,650
00
2,263
22
,2,587
92
3,261
99
3,930
76
,609 88
Risks and Premiums.
Amount. Cash Prem's. Conting't Prem's.
Risks outstanding Dec. 31, 1894, $15,622,520 00 $243,526 87 $243,526 87
Risks written during 1895, . 5,176,786 00 81,959 92 81,959 92
Total, $20,799,306 00 $325,486 79 $325,486 79
Risks terminated during 1895, . 3,928,304 00 58,999 90 58,999 90
In force at end of year,
,871,002 00 $266,486 89 $266,486 89
Miscellaneous.
Losses incurred during the year, . . . . . . $28,593 00
Percentage of profits or surplus returned during 1895, 25, 50 and 70 per cent.
CENTRAL MUTUAL FIRE INSURANCE COMPANY, BOSTON.
[Incorporated Feb. 20, 1895. Commenced business May 25, 1895.]
MELVILLE M: WESTON, President. JAMES B. ALDEN, Secretary.
Office, 24 Central Street.
, ->
Summary of Assets Dec. 31, 1895.
Cash in the office of the company, . . . $159 68
Cash deposited in bank, . . . . 11,077 53
Premiums in course of collection (gross), , 7,828 45
Premiums more than three months due, $66 13
Gross assets, - $19,065 66
20
CENTS AL MUTUAL FIRE INSURANCE CO.
Liabilities.
Unearned premiums on outstanding risks,
Reinsurance premiums due other companies,
Return premiums on cancelled policies,
Commissions and brokerage, .
Rents, salaries and incidental expenses,
Reinsurance disallowed, .
Gross liabilities, ....
,508 28
109 84
332 89
855 05
458 34
32 76
$13,297 16
Net cash assets,
),768 50
Income.
Premiums on risks written,
Premiums now in course of collection, .
Entire premiums collected,
Less reinsurance and return premiums, .
Net cash premiums received, .
Gross cash income, . .
$35,705 45
7,894 58
$27,810 87
11,200 37
$16,610 50
$16,610 50
Expenditures.
Net cash paid for losses, .....
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for incidentals, .....
Gross cash expenditures, .
$248 00
2,244
55
2,750
04
308
84
235
27
,786 70
Risks and Premiums.
Amount. Cftsh Prem's. Conting't Prem's.
Risks written during 1895, . $3,138,183 00 $35,705 45 $107,116 35
Risks terminated during 1895, . 1,484,157 00 12,532 20 37,596 60
In force at end of year,
Deduct amount reinsured, .
. $1,654,026 00
13,000 00
$23,173 25 "$69,519 75
156 68 470 04
Net amount in force, . . $1,611,026 00 $23,016 57 $69,049 71
Miscellaneous,
Losses incurred during the year,
$248 00
citizens' mutual FIRE INSURANCE CO.
21
CITIZENS' MUTUAL FIRE INSURANCE COMPANY,
BOSTON.
[Incorporated April, 1846. Commenced business October, 1846.]
HENRY C. BIGELOW, President. T. WALLACE TRAVIS, Secretary.
Office, 8 Exchange Place.
Amount of permanent fund, $174,441 91
Detailed Statement of Stocks, Bonds, etc.
30 shares Hide & Leather National Bank,
15 " Natick National Bank,
10 " Farmington National Bank (N. H )
Butchers' S. and M. Association bonds, .
Denver Land and Security Co. bonds,
Securities held as collateral for cash loans : —
50 shares Atchison, Topeka & Santa Fe R.R,
450
100
50
50
100
100
100
Butte & Boston Mining Co., .
Dominion Coal Company,
Mexican Central Railroad,
Lamson Con. Store Service, .
L'ville, New Albany & Chic. R R
Southern Railway Company, .
United States Rubber Company,
Par Value.
|3,000 00
1,500 00
1,000 00
4,000 00
1,800 00
Market Value.
13,165 00
1,800 00
1,000 00
4,000 00
1,800 00
$11,300 00 $11,765 00
Market Value. Loaned Thereon.
$750 00^
5,737 50
1,100 00
475 00
1,000 00 f
800 00
900 00
2,600 00
> $8,000 00
$13,362 50
5,000 00
Summary of Assets Dec. 31, 1895.
Cash value of unencumbered real estate,
Loans on mortgage of real estate (first liens*)
Interest due or accrued thereon,
Stocks, bonds, etc., as per schedule,
Loans on collateral security, as per schedule,
All other cash loans, ....
Cash in the office of the company, .
Cash deposited in bank, ....
Interest due and accrued, ....
Premiums in course of collection (gross) ,
Gross assets,
$24,900 00
279,160 00
3,788 17
11,765 00
8,000 00
3,000 00
205 32
11,368 94
167 75
4,222 98
$346,578 16
* Total value of property mortgaged,
Amount of insurance held as collateral,
$535,800 00
326,950 00
22
citizens' mutual FIRE INSURANCE CO.
Liabilities.
Unearned premiums on outstanding risks,
Surplus due on terminated policies, .
Commissions and brokerage, .
Gross liabilities,
Net cash assets,
Income
Premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed,
Total,
Premiums now in course of collection,
Entire premiums collected,
Less reinsurance and return premiums,
Net cash premiums received, .
Received for extra premiums, .
Interest received on mortgages,
Interest and dividends received from all
Income from rents, ....
Gross cash income,
$190,421 16
1,498 69
633 44
other
Expenditures.
Cash paid for losses, ....
as profits on terminated policies,
for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for rents, ....
for incidentals,
for repairs on real estate,
Gross cash expenditures, .
$4,315 58
83,119 65
$87,435 23
4,2-22 98
,212 25
3,954 87
sources, .
$192,553 29
$154,024 87
$79,257 38
1,277 93
15,030 40
1,072 39
702 65
$97,340 75
,504 78
42,414 82
12,242 97
7,708 30
1,372 41
1,800 00
2,625 02
231 91
$88,900 21
Risks and Premiums.
Amount. % Cash Prem's. Oonting't Prem's.
Risks outstanding Dec. 31, 1894, $25,966,333 00 $356,286 28 $356,286 28
Risks written during 1895, . 6,187,4^7 00 83,119 65 83,119 65
Total, ....
Risks terminated during 1895,
In force at end of year,
Deduct amount reinsured,
Net amount in force, .
$32,153,780 00 $439,405 93 f439,405 93
5,271,907 00 69,525 21 69,525 21
,8.81,873 00 $369,880 72 $369,880 72
18,050 00 175 01 175 01
$26,863,823 00 $369,705 71 $369,705 71
Miscellaneous.
Losses incurred during the year, ...... $19,620 00
Percentage of profits or surplus returned during 1895, 50 and 70 per cent.
COH ASSET MUTUAL FIRE INSURANCE CO.
23
COIIASSET MUTUAL FIRE INSURANCE COMPANY, COIIASSET.
[Incorporated March 18, 1845. Commenoed business March 16, 1846.]
LOUIS N. LINCOLN, President. PUILANDRIi BATES, Secretary.
Detailed Statement of Stocks, Bonds, etc.
Par Value. Market Value.
9 shares City National Bank, Boston, . . $900 00 $733 50
3 shares Merchants' National Bank, Boston, . 300 00 459 00
$1,200 00 $1,192 50
Summary of Assets Dec. 31, 1895.
Stocks, as per schedule, $1,198 50
Cash in the office of the company, ... 9 46
Cash deposited in bank, 1,413 20
Premiums in course of collection (gross), . 78 17
Office furniture, . . . . $60 00
Premiums more than three months due, 70 30
Gross asseta, ■
$2,693 33
Liabilities.
Losses adjusted, unpaid, ....
Unearned premiums on outstanding risks,
Surplus due on terminated policies, .
Commissions and brokerage, .
Gross liabilities, .....
Balance against company,
$485 00
2,637 13
8 37
16 01
—
3,146 51
$453 18
Income.
Premiums outstanding Dec. 31, 1894,
Same not collected, ....
Net collected,
Premiums on risks written or renewed,
Total
Premiums now in course of collection,
Entire preniiutns collected,
Less reinsurance and return premiums,
Net cash premiums received, .
Received for extra premiums, .
Interest and dividends received from all sources, .
Gross cash income, ......
$107 74
76 93
$30 81
1,048 32
$1,079 13
148 47
6930 66
48 10
$882 56
24 97
94 11
$1,001 64
24 COMMERCE MUTUAL FIRE INSURANCE CO.
Expenditures.
Cash paid for losses, .......
as profits on terminated policies,
for commissions and brokerage,
for salaries of officers and employees, .
for State and local taxes, ....
for rents, ........
for incidentals, .......
Gross cash expenditures, ....... $1,149 14
Risks and Premiums.
Amount. Cash Prem'3. Conting't Prem's.
Risks outstanding Dec. 31,1894, $353,245 00 $5,380 52 $16,14156
Risks written during 1895, . 67,640 00 1,048 32 3,144 96
$291 93
414
26
103
95
235
50
12
ID
50
00
41
31
Total, . . . . . $420,885 00 $6,428 84 $19,286 52
Risks terminated during 1895, . 67,425 00 1,013 61 2,964 38
In force at end of year, . . $353,460 00 $5,415 23 $16,322 14
Miscellaneous.
Losses incurred during the year, ...... $777 00
Percentage of profits or surplus returned during 1895, 15, 30, 50 per cent.
COMMERCE MUTUAL FIRE INSURANCE COMPANY, BOSTON.
[Incorporated March 4, 1895. Commenced business Aug. 29, 1895.]
WM. HARRIS, President. JOHN A. BENSON, Secretary.
Office, 17 Exchange Place.
Summary of Assets Dec. 31, 1895.
Cash deposited in bank, .... $2,314 85
Premiums in course of collection (gross), . 7,303 06
Gross assets, $9,617 91
Liabilities.
Losses claimed and reported, .
Unearned premiums on outstanding risks,
Return premiums on cancelled policies,
Commissions and brokerage, .
Rents, salaries and incidental expenses,
Gross liabilities,
Net cash assets,, ,
|1,302 31
5,181 16
52 12
757 33
25 00
7,317 92
!,299 99
CONTINENTAL MUTUAL FIRE INSURANCE CO.
25
Income.
Premiums on risks written or renewed, . . $11,552 87
Premiums now in course of collection, . . 7,303 06
Entire premiums collected, . .
Less reinsurance and return premiums, .
Net cash premiums received, —
Interest and dividends received from all sources, .
Gross cash income, . . . . .
&4,249 81
1,028 97
!,220 84
1 92
;,222 76
Expenditures.
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes, .
for rents, . .
for incidentals, . ...
Gross cash expenditures, ....
$335
12
241
00
62 46
60 00
209
33
$907 91
Risks and Premiums.
Amount.
Risks written during 1895, . $1,167,021 00
Risks terminated during 1895, . 76,650 00
Cash Prem's. Conting't Prem's.
fl 1,552 87 $34,658 61
1,190 56 3,571 68
In force at end of year, . . $1,090,371 00 $10,362 31 $31,086 93
Miscellaneous.
Losses incurred during the year,
$1,302 00
CONTINENTAL MUTUAL FIRE INSURANCE COMPANY, BOSTON.
[Incorporated Dec. 14, 1894. Commenced business Jan. 15, 1895.]
ARTHUR G. KRIEGER, President. RICHARD C. PETERS, Secretary.
Office, 539 Exchange Building.
Summary op Assets Dec. 31, 1895.
$500 22
6,011 12
3,544 56
34 16
809 64
Cash in the office of the company, .
Cash deposited in bank, . . . .
Premiums in course of collection (gross),
Interest accrued,
Return premiums due, ....
Gross assets, .....
$10,899 70
26
CONTINENTAL MUTUAL FIRE INSURANCE CO.
Liabilities.
Losses claimed and reported, .
Losses disputed or resisted,
Unearned premiums on outstanding risks,
Reinsurance premiums due other companies,
Commissions and brokerage, .
Gross liabilities, . . . . .
U et cash assets,
11,584 40
1,302 31
7,075 98
8 89
494 54
$10,466 12
$433 58
Income.
Premiums on risks written or renewed, . . .
Premiums now in course of collection,
Entire premiums collected, ....
Less reinsurance and return premiums, .
Net cash premiums received, ....
Received for extra premiums, .
Interest and dividends received from all sources,
$32,085 16
3,544 56
$28,540 60
11,947 63
Gross cash income,
Expenditures*
Cash paid for losses, ......
for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for rents,
for incidentals, ....
Gross cash expenditures, ....
|16,592
97
44
68
63
14
f 16,700 79
$2,657
95
2,582
.37
2,811
25
114 72
400
00
1,623
16
$10,189 45
Risks and Premiums.
Amount.
RisJcs written during 1895, . $2,398,845 00
Risks terminated during 1895, . $ 1,381,835 00
In force at end of year, . . $1,017,010 00
Deduct amount reinsured, . . 5,000 00
Cash Prem's. Corsting't Frem's.
$32,085 16
15,419 63
$16,665 53
50 00
96,255 48
46,258 89
$49,996 59
150 00
Net amount in force, . . $1,012,010 00 $16,615 53 $49,846 59
Miscellaneous.
Losses incurred during the year, . • »
>,545 00
COTTON AND WOOLEN MANUFACTURERS* INSURANCE CO. 27
COTTON AND WOOLEN MANUFACTURERS 1 MUTUAL INSURANCE
COMPANY, BOSTON.
[Incorporated Oct. 19, 1875. Commenced business Oct. 20, 1875.]
M. V. B. JEFFERSON, President. BENJAMIN TAFT, Secretary.
Office, 31 Milk Street.
Detailed Statement of Stocks, Bonds, etc.
Fitchburg Railroad bonds,
Chicago, Burlington & Qaincy ULR. bonds,
Boston city bond, ....
Metropolitan Street Railroad bonds,
Maine Central R.R. bonds,
Cheshire R.R. bonds, . .
Portland & Ogdensburg R.R. bonds,
New York & New England R.R. bonds,
Lynn & Boston R.R. bonds,
Middlesex R.R. bonds,
Highland Street R.R. bonds, .
South Boston R.R. bonds,
West End Street R.R. bonds, .
Connecticut River R.R. scrip, .
Bangor & Aroostook R.R. bonds,
Corporation notes, ....
Par Value.
$24,000 00
10,000 00
2,000 00
15,000 00
36,000 00
27,000 00
10,000 00
17,000 00
12,000 00
1,000 00
1,000 00
5,000 00
5,000 00
5,000 00
15,000 00
801 22
Market Value.
$24,740 00
10,000 00
2,020 00
15,350 00
37,200 00
28,080 00
10,500 00
19,890 00
12,000 00
1,035 00
1,027 50
5,187 50
5,200 00
5,000 00
15,150 00
801 22
5,801 22 8193,181 22
Summary of Assets Dec. 31, 1895.
Stocks, bonds, etc., as per schedule,
Cash in the office of the company, .
Cash deposited in bank, ....
Interest due and accrued, ./,*..
Premiums in course of collection (gross),
Rents due and accrued, ....
Gross assets, .....
$193,181 22
2,055 11
38,310 01
3,329 15
7,081 23
555 50
$244,512 22
Liabilities.
Losses claimed and reported, .... $1,195 95
Unearned premiums on outstanding risk;s^ . 151,630 50
State and' local taxes, ...... 565 69
Gross liabilities, . . . . ,
153,392 14
Net cash assets, .
1,120 08
28
DEDHAM MUTUAL FIRE INSURANCE CO.
Income.
Premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed, .
Total, .......
Premiums now in course of collection, .
Net cash premiums received, .
Interest and dividends received from all sources,
f3,980 14
316,666 81
,646 95
7.081 23
1313,565 72
8,550 67
Gross cash income, $322,116 39
Expenditures.
Cash paid for losses,
as profits on terminated policies,
for inspections, ....
for salaries of officers and employees,
for State and local taxes,
for incidentals, ....
Gross cash expenditures, .
$63,575 74
185,192 74
9,834 96
7,842 60
4,707 55
9,945 18
$281,098 77
Risks and Premiums.
Amount. Cash Prem's. Conting't Prem's*
Risks outstanding Dec. 31, 1894, $28,114,837 00 $263,248 21 $1,316,241 05
Risks written during 1895, . 33,570,274 00 316,666 81 1,583,334 05
Total, $61,685,11100 $579,915 02 $2,899,575 10
Risks terminated during 1895, . 31,319,855 00 276,653 74 1,383,268 70
In force at end of year, .
,365,256 00 $303,261 28 $1,516,306 40
Miscellaneous.
Losses incurred during the year, $64,772 00
Percentage of profits or surplus returned during 1895, 70 per cent.
DEDHAM MUTUAL FIRE INSURANCE COMPANY, DEDHAM.
[Incorporated Feb. 22, 1837. Commenced business July 1, 1837.]
GEO. B. FAUNCE, President. ELIJAH HOWE, Jr., Secretary.
),765 77
Amount of permanent fund, .
Detailed Statement of Stocks, Bonds, etc.
Dedham National Bank stock, .
Dedham Water Company stock,
Atch., Topeka & Santa Fe R.R. stock,
Boston city bonds, ....
Cincinnati city bonds,
Salem water bonds,
Par Value.
$1,200 00
2,500 00
5,000 00
2,000 00
6,000 00
3,000 00
Market Value.
$1,200 00
2,500 00
700 00
2,200 00
7,080 00
3,240 00
DEDIIAM MUTUAL FIRE INSURANCE CO.
29
Washington County (111.) bonds, .
N. H. Trust Company bonds, .
Western Security Company bonds, .
Lombard Investment Company bonds, .
New England Mortgage Security Co. bonds,
Boston & Lowell R.li. bonds, .
Kansas City, St. Jos. & Council Bluffs R.R.,
Atch., Topeka & Santa Fe R.R. bonds, .
Philadelphia & Reading R.R. bonds,
Old Colony R.R. bonds, ....
Union Pacific Railway bonds, .
St. Johnsbury & Lake Champlain R.R., .
Par Value.
$5,000 00
5,000 00
6,000 00
5,000 00
8,000 00
10,000 00
2,000 00
17,500 00
5,000 00
2,000 00
16,000 00
3,000 00
Market Value.
$5,000 00
3,750 00
3,600 00
2,290 00
7,600 00
10,225 00
2,400 00
9,350 00
6,350 00
2,100 00
14,100 00
3,517 50
$104,200 00 $87,202 50
Summary of Assets Dec. 31, 1895.
Loans on mortgage of real estate (first liens*), $36,900 00
Stocks, bonds, etc , as per schedule, .
Cash in office and bank, ....
Premiums in course of collection (gross),
Interest due and accrued,
Gross assets, .....
87,202 50
4,572 03
2,804 66
1,952 35
$133,431 54
Liabilities.
Losses claimed and reported, .
Unearned premiums on outstanding risks,
Return premiums on cancelled policies, .
Surplus due on terminated policies,
Commissions and brokerage, .
Gross liabilities, ....
Net cash assets,
$948 14
40,488 39
121 51
1,599 43
420 70
43,578 17
,853 37
Income.
Premiums outstanding Dec. 31, 1894, . . $2,876 30
Premiums on risks written or renewed, . . 27,926 56
Total, $30,802 86
Premiums now in course of collection, . . 2,804 66
Entire premiums collected, .... $ 27,998 20
Less reinsurance and return premiums, . . 504 02
Net cash premiums received, .... —
Interest received on mortgages,
Interest and dividends received from all other sources, .
Gross cash income, i
$27,494 18
1,839 27
4,500 12
$33,833 57
* Total value of property mortgaged, $23,500 00
Amount of insurance held as collateral, .... 13,300 00
30
DOECHESTER MUTUAL FIRE INSURANCE CO.
Expenditures.
Cash paid for losses, . . .
as profits on terminated policies,
for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for rents, .....
for incidentals,
Gross cash expenditures, .
$10,692 26
10,174 64
4,039 37
4,278 10
321 37
270 00
787 40
$30,563 14
Risks and Premiums.
Amount.
Risks outstanding Dec. 31, 1894, $4,499,597 00
Risks written during 1895, . 1,776,478 00
Total, . ... $6,276,075 00
Risks terminated during 1895, . 1,371,454 00
Cash Prem's. Conting't Prem's.
$70,096 75 $70,096 75
27,926 56 27,926 56
,023 31
20,781 10
In force at end of year,
,023 31
20,781 10
. $4,904,621 00 $77,242 21 $77,242 21
Miscellaneous.
Losses incurred during the year, $11,259 00
Percentage of profits or surplus returned during 1895, 33J, 50, 70 per cent.
DORCHESTER MUTUAL FIRE INSURANCE COMPANY,
BOSTON.
[Incorporated February, 1855. Commenced business July, 1855. 1
THOMAS F. TEMPLE, President. W. D. C. CURTIS, Secretary.
Office, Neponset.
Amount of permanent fund, $200,000 00
Detailed Statement of Stocks,
Detroit, Lansing and Northern R.R. bonds,
Fitchburg Railroad bonds,
Chicago, Burlington & Quincy R.R. bonds,
56 shares Blue Hill National Bank,
50
20
20
12
10
80
33
Boston National Bank, .
Howard National Bank, .
Continental National Bank, .
Hide & Leather National Bank,
New England National Bank,
Columbian National Bank, ,
State National Bank,
Bonds, etc.
Par Value.
$7,000 00
32,000 00
10,000 00
5,600 00
5,000 00
2,000 00
2,000 00
1,200 00
1,000 00
3,000 00
3,300 00
Market Value.
$4,550 00
33,480 00
9,800 00
5,880 00
5,000 00
1,860 00
2,140 00
1,284 00
1,570 00
2,940 00
3,630 00
DORCHESTER MUTUAL FIRE INSURANCE CO.
31
10 shares Mt. Wollaston National Bank
5 " Granite National Bank, .
10 " Weymouth National Bank,
304 " Boston & Albany R R.,
273 " Old Colony R.R., .
75 " Boston & Maine R.R.,
56 " Boston & Lowell R.R.,
123 " Boston Lead M'fg Co.,
300 " International Trust Co.,
Summary of Assets Dec.
Cash value of unencumbered real estate,
Loans on mortgage of real estate (first liens*),
Interest due or accrued thereon,
Stocks, bonds, etc., as per schedule,
Cash deposited in bank, . . .
Interest due and accrued, .
Premiums in course of collection (gross)
Rents due and accrued,
Premiums more than three mos. due, $1,698 25
Gross assets,
Par Value.
$1,000 00
500 00
1,000 00
30,400 00
27,300 00
7,500 00
5,600 00
12,300 00
30,000 00
Market Value.
$1,400 00
650 00
1,200 00
62,928 00
49,140 00
12,825 00
11,420 00
18,450 00
60,000 00
$187,700 00 $290,147 00
31, 1895.
$22,000 00
26,588 13
402 50
290,147 00
15,620 35
1,945 99
14,762 56
120 00
$371,586 53
Liabilities.
Losses adjusted, unpaid, ....
Unearned premiums on outstanding risks,
Surplus due on terminated policies,
Due for borrowed money,
Commissions and brokerage, .
Gross liabilities,
Net cash assets,
$1,691 31
265,563 82
2,750 00
10,000 00
2,176 15
282,181 28
,405 25
Income.
Premiums outstanding Dec. 31, 1894,
Same not collected,
Net collected, ....
Premiums on risks written or renewed, .
Total,
Premiums now in course of collection, .
Entire premiums collected,
Less reinsurance and return premiums, .
Net cash premiums received, .
$18,364 51
284 61
$18,079 90
175,093 22
$193,173 12
16,460 81
$176,712 31
6,087 77
$170,624 54
* Value of lands mortgaged, .
Value of buildings thereou,
Amount of insurance held as collateral,
$20,000 00
24,800 00
21,000 00
32
EAGLE MUTUAL FIRE INSURANCE CO.
Received for extra premiums, ....
Interest received on mortgages, ....
Interest and dividends received from all other sources,
Income from rents,
Gross cash income,
$2,191 88
1,106 25
11,254 92
1,100 00
$186,277 59
Expenditures.
Cash paid for losses,
Deduct salvage and reinsurance,
Net cash paid for losses,
Cash paid as profits on terminated policies,
for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for incidentals,
Gross cash expenditures, .
$62,476 08
500 00
|61,976 08
61,426 58
27,054 06
8,489 02
3,027 17
4,801 20
$166,774 11
Eisks and Premiums.
Amount. Cash Prem's. Conting't Prem's.
Risks outstanding Dec. 31, 1894, $30,218,280 00 $467,989 38 $467,989 38
Risks written during 1895, . 11,322,416 00 175,093 22 175,093 22
Total, $41,540,696 00 $643,082 60 $643,082 60
Risks terminated during 1895, . 8,492,404 00 129,161 55 129,161 55
In force at end of year, . . $33,048,292 00 f 513,921 05 $513,921 05
Miscellaneous.
Losses incurred during the year, ...... $60,976 00
Percentage of profits or surplus returned during 1895, 25, 50, 75 per cent.
EAGLE MUTUAL FIRE INSURANCE COMPANY, BOSTON.
[Incorporated May 6, 1895. Commenced business Aug. 1,1895.]
HENRY F. WHITNEY, President. GEORGE B. HEATON, Secretary.
Office, 44 Kilby Street.
Summary of Assets Dec. 31, 1895.
$280 27
Cash in the office of the company, .
Cash deposited in bank,
Premiums in course of collection (gross),
Premiums more than three months due, $48 75
Gross assets,
2,534 09
6,465 03
1,279 39
EASTERN MUTUAL FIRE INSURANCE CO.
33'
Liabilities.
Losses resisted,
Unearned premiums on outstanding risks,
Reinsurance premiums due other companies,
Commissions and brokerage, .
Gross liabilities, ....
Net cash assets,
Income.
Premiums on risks written,
Premiums now in course of collection, .
Entire premiums collected,
Less reinsurance and return premiums, .
Net cash premiums received, .
Gross cash income, . . . .
Expenditures.
Net cash paid for losses, . .
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for rent and incidentals, .
Gross cash expenditures, . .'■■-.
$650 00
5,888 28
82 75
977 06
$7,598 09
Risks written during 1895,
Risks terminated during 1895,
In force at end of year, .
Deduct amount reinsured,
Net amount in force, .
Risks and Premiums.
Amount.
$1,353,536 00
261,030 00
$1,089,506 00
3,100 00
fl5,651 34
6,513 78
$9,187 56
3,182 20
,681 30
i,955 36
$5,955 36
$1,117
96
1,025
59
597
00
23
56
376 89
$3,141 00
Cash Prem's. Conting't Prem's.
$15,651 34 $16,954 02
3,775 28 11,325 84
$11,876 06
99 50
$35,628 18
298 50
$1,086,106 00 $11,776 56 $35,329 68
Miscellaneous.
Losses incurred during the year,
$1,768 00
EASTERN MUTUAL FIRE INSURANCE COMPANY, BOSTON.
[Incorporated Jan. 3, 1894. Commenced business Feb. 1, 1894 ]
H. J. JAQUITH, President. M. S. WILLIAMS, Secretary.
Office, No. 30 Congress Street.
Summary of Assets Dec. 31, 1895.
Cash in the office of the company, . . . $5,873 75
Cash deposited in bank, . . . . • . 24,616 57
Premiums in course of collection (gross), . 6,828 37
Premiums more than three mos. due, $216 41
Gross assets, . . . . . . — — ■ $37,348 69
34
EASTERN MUTUAL FIRE INSURANCE CO.
Liabilities.
Losses adjusted, unpaid, .
Losses claimed and reported, .
Total amount of losses, .
Less reinsurance, ....
Net amount of unpaid losses, .
Unearned premiums on outstanding- risks
Return premiums on cancelled policies,
Due and accrued for rent, salaries, etc.,
Commissions and brokerage, . ' .
Due for reinsurance,
Reinsurance disallowed, .
Gross liabilities, . .
$3,352 42
10,200 00
$13,552 42
875 00
$12,677 42
16,048 55
170 41
165 30
1,303 31
1,304 05
74 50
$31,743 54
Net cash assets, .
$5,605 15
Income.
Premiums outstanding Dec. 31, 1894,
Same not collected, . .
Net collected, ....
Premiums on risks written or renewed,
Total, ......
Premiums now in course of collection,
Entire premiums collected,
Less reinsurance and return premiums,
Net cash premiums received, .
Received for extra premiums, .
Interest and dividends received from all sources,
1,502 18
492 16
$9,010 02
58,502 55
,512 57
7,044 78
,467 79
12,779 51
$47,688 28
303 81
847 45
Gross cash income, $48,839 54
Expenditures.
Cash paid for losses,
for commissions and brokerage,
for salaries of officers and emplo3 T ees,
for State and local taxes,
for rents and incidentals,
,546 59
11,312 63
2,091 66
783 96
3,721 97
Gross cash expenditures, .
$43,456 81
ESSEX MUTUAL FIRE INSURANCE CO.
35
Risks and Premiums.
Risks outstanding Dec. 31, 1894,
Risks written during 1895,
Total, ....
Risks terminated during 1895,
In force at end of year,
Deduct amount reinsured,
Net amount in force, .
Amount.
^2,881,832 00
3,342,524 00
56,224,356 00
3,706,874 00
52,517,482 00
614,532 00
Cash Prem's.
$41,549 45
58,502 55
Miscellaneous.
Losses incurred during the year,
$100,052 00
56,167 79
$43,884 21
11,787 11
$1,902,950 00 $32,097 10
Conting't Prem's.
$124,648 35
175,507 65
$300,156 00
168,503 37
$131,652 63
35,361 33
,291 30
,211 00
ESSEX MUTUAL FIRE INSURANCE COMPANY, SALEM.
[Incorporated 1829. Commenced business 1829.]
HENRY M. MEEK, President. CHARLES H. ODELL, Secretary.
Amount of permanent fund, $51,152 23
Detailed Statement or Stocks, Bonds, etc.
Par Value. Market Value.
St. Louis County bonds, ..... $1,00000 $1,00000
St. Louis city bonds 1,000 00 1,050 00
American Investment Company b#nds, . . 1,500 00 750 00
Old Colony Railroad bonds, .... 1,000 00 1,040 00
City of Cincinnati bonds, ..... 1,000 00 1,200 00
City of Brooklyn bonds, . . . . . 1,000 00 1,160 00
City of Springfield bonds, .... 1,00000 1,22000
Chicago, Burlington & Quincy R.R. bonds, . 2,000 00 2,185 00
Eastern Railroad bonds, 2,000 00 2,400 00
Northern Pacific Railroad bonds, . . . 1,000 00 1,165 00
Oregon Improvement bonds, .... 5,000 00 5,000 00
Cleveland & Canton Railroad bonds, . .- 5,000 00 1,750 00
City of Missoula (Mont.) bonds, . . . 4,000 00 4,000 00
Duluth Transfer Railroad Co. bonds, . <. 3,000 00 1,500 00
Boston & Maine Railroad bonds, . . . 5,000 00 5,225 00
Maine Central Railroad bonds, . . . 6,000 00 6,120 00
Fitchburg R.R. bonds, 9,000 00 9,090 00
19 shares Asiatic National Bank, . . . 570 00 570 00
14 " Salem National Bank, . . . 1,400 00 1,680 00
41 " Mercantile National Bank, . . 4,100 00 4,428 00
16 " Lynn Gas & Electric Co., . . . 1,600 00 2,602 00
30 " Union Stock Yards Co., . . . 3,000 00 3,750 00
Chicago city bonds, 1,000 00 1,060 00
11,170 00 $59,945 00
36
ESSEX MUTUAL FIRE INSURANCE CO.
Summary of Assets Dec. 31, 1895.
Cash value of unencumbered real estate,
Loans on mortgage of real estate (first liens),
Interest due or accrued thereon,
Stocks, bonds, etc., as per schedule, .
Cash in the office of the company, .
Cash deposited in bank, ....
Interest due and accrued, ....
Premiums in course of collection (gross),
Rents due and accrued, ....
Premiums more than three mos. due, f 2,412 44
Gross assets, ......
|24,300 00
3,000 00
90 00
59,945 00
629 63
8,651 45
774 20
13,203 08
240 00
$110,833 36
Liabilities.
Losses adjusted, unpaid, „
claimed and reported, .
disputed or resisted,
Unearned premiums on outstanding risks
Return premiums on cancelled policies,
Surplus due on terminated policies, .
State and local taxes,
Commissions and brokerage, .
Reinsurance, .....
Gross liabilities, ....
Net cash assets, .
Income
Premiums outstanding Dec. 31, 1894,
Same not collected, ....
Net collected, ....
Premiums on risks written or renewed,
Total,
Premiums now in course of collection,
Entire premiums collected,
Less reinsurance and return premiums,
Net cash premiums received,
Received for extra premiums, .
Interest received on mortgages,
Interest and dividends received from all
Income from rents, ....
Income from other sources,
Gross cash income, .
16,391 50
11,794 53
4,042 85
50,709 04
1.917 02
3.918 82
250 58
2,570 94
6 79
81,602 07
,231 29
|20,801 34
4 14
$20,797 20
125,957 36
f 146,754 56
T
15,615 52
$131,139 04
32,099 51
$99,039 53
i . . .
176 92
• • .
180 00
other
sources, .
2,884 23
641 46
901 42
$103,823 56
EXCELSIOR MUTUAL FIRE INSURANCE CO.
37
Expenditures.
Cash paid for losses,
Deduct salvage and reinsurance,
Net cash paid for losses,
Cash paid as profits on terminated policies,
for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for rents and incidentals,
Gross cash expenditures, ....
867,634 83
2,926 43
$64,708 40
7,629 91
24,596 58
3,641 67
1,793 62
1,576 23
$103,946 41
Risks and Premiums.
Amount.
Risks outstanding Dec. 31,1894, $8,949,449 00
Risks written during 1895, . 7,106,316 00
Total,.
Risks terminated during 1895,
In force at end of year, .
Deduct amount reinsured,
Net amount in force, .
$16,055,765 00
8,104,072 00*
$7,951,693 00
412,669 00
Cash Prem's. Conting't Prem's.
$129,181 01 $129,181 01
125,957 36 125,957 36
$255,138 37 $255,138 37
144,159 19 144,159 19
$110,979 18
3,228 09
10,979 18
3,228 09
$7,539,024 00 $107,751 09 $107,751 09
Miscellaneous.
Losses incurred during the year, $81,733 33
Percentage of profits or surplus returned during 1895, 10, 25, 50 per cent.
EXCELSIOR MUTUAL FIRE INSURANCE COMPANY, BOSTON.
[Incorporated Aug. 23, 189L Commenced business Sept. 10, 1894.]
JACOB ROSENTHAL, President. JOHN O. BENSON, Secretary.
Office, 1 7 Exchange Place.
Summary of Assets Dec. 31, 1895.
Cash deposited in bank, ....
Premiums in course of collection (gross),
Gross assets,
$2,746 33
1,278 82
$4,025 15
Liabilities.
Losses adjusted, unpaid, .
claimed and reported, .
disputed or resisted,
$966 73
4,508 00
3,861 36
38
EXCELSIOR MUTUAL FIRE INSURANCE CO.
Unearned premiums on outstanding risks,
Return premiums on cancelled policies, .
Due and accrued for rent, salaries, etc., .
Commissions and brokerage, .
Gross liabilities,
Balance against company,
$11,344 25
1,223 25
166 66
170 65
$22,240 90
■ •■•
$18,215 75
Income.
Premiums outstanding Dec. 31, 1894,
Same not collected, ....
Net collected, ....
Premiums on risks written or renewed,
Total,
Premiums now in course of collection,
Entire premiums collected,
Less reinsurance and return premiums,
Net cash premiums received, .
Interest and dividends received from all sources, .
Gross cash income, . . .
$9,716 70
2,852 24
$6,864 46
39,926 89
$46,791 35
1,278 82
f 45,5 12 53
17,261 43
$28,251 10
174 80
sourc
,es, .
,425 90
Expenditures.
Cash paid for losses,
for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for incidentals, . . . .
Gross cash expenditures, ....
$20,258 74
8,385 88
2,375 00
405 87
2,187 11
,612 60
Risks and Premiums.
Amount.
Risks outstanding Dec. 31,1894, $1,761,906 00
Risks written during 1895, . 2,149,676 00
Cash Prem's. Conting't Prem's.
$22,611 42 $67,834 26
39,926 89 119,780 67
Total,.
Risks terminated during 1895,
$3,911,582 00
. 2,166,897 00
$62,538 31
39,756 28
$187,614 93
119,268 84
In force at end of year, .
Deduct amount reinsured,
. $1,744,685 00
15,400 (0
$22,782 03
225 76
$68,346 09
677 28
Net amount in force,
$1,729,285 00
$22,556 27
$67,668 81
Miscellaneous.
Losses incurred during the year, $29,595 00
Assessments laid on deposit notes or contingent premiums, . 20,858 00
FALL KIVER MANUFACTURERS* MUTUAL INSURANCE CO. 39
FALL RIVER MANUFACTURERS' MUTUAL INSURANCE
COMPANY, FALL RIVER.
[Incorporated Feb. 11, 1870. Commenced business May 1, 1870.]
THOMAS J. BORDEN, President. CHARLES S. WARING-, Secretary.
Detailed Statement of Stocks,
Taunton city bonds, .
Fall River city bonds,
Boston city bonds,
Newport (R. I.) city bonds,
Cleveland (O.) city bonds,
Boston & Lowell Railroad bonds,
Boston & Providence Railroad bonds,
Concord & Montreal Railroad bonds,
Chicago, Burl. & Quincy Railroad bonds,
Phila., Wilmington & Baltimore R.R. bonds,
Old Coloiry Railroad bonds,
Boston & Maine Railroad bonds,
Bonds, etc
Par Value.
$15,000 00
21,000 00
20,000 00
20,000 00
25,000 00
30,000 00
20,000 00
15,000 00
15,000 00
20,000 00
30,000 00
10,000 00
Market Value.
$15,675 00
24,865 00
21,500 00
20,900 00
25,875 00
30,300 00
20,800 00
15,300 00
12,900 00
20,400 00
31,200 00
10,250 00
$241,000 00 $249,965 00
Summary of Assets Dec
Stocks, bonds, etc., as per schedule, .
Cash in the office of the company, .
Cash deposited in bank, ....
Interest due and accrued, ....
Premiums in course of collection (gross),
Gross assets, ...
31, 1895.
$249,965 00
211 06
11,571 78
3,395 16
2,580 06
$267,723 06
Liabilities.
Losses claimed and reported, .
Unearned premiums on outstanding risks,
State and local taxes, ....
Gross liabilities,
Net cash assets,
$3,510 00
159,814 03
532 23
Income.
Premiums outstanding Dec. 31, 1894, . . $1,759 74
Premiums on risks written or renewed, . . 332,824 07
Total, $334,583 81
Premiums now in course of collection, '. . 2,580 06
Entire premiums collected, .... f 332,003 75
Less reinsurance and return premiums, . . 9,632 57
Net cash premiums received, . . . • .
Interest and dividends received from all sources, .
163,856 26
$103,866 80
$322,371 18
14,109 69
Gross cash income, ........ $336,480 87
40
FITCHBURG MUTUAL FIRE INSURANCE CO.
Expenditures.
Cash paid for losses,
as profits on terminated policies,
for salaries of officers and employees,
for State and local taxes,
for rents, ....
for inspections,
for incidentals,
Gross cash expenditures, .
$105,698 50
269,946 50
11,188 66
3,231 03
504 00
5,358 36
1,355 10
$397,282 15
Risks and Premiums.
Amount.
Risks outstanding Dec 31, 1894, $35,722,474 00
Risks written during 1895, . 37,951,699 00
Total $73,674,173 00
Risks terminated during 1895, . 37,303,819 00
Cash Prem's. Conting't Prem's.
^314,737 94 $1,573,689 70
332,824 07 1,664,120 35
$647,562 01 $3,237,810 05
327,933 96 1.639,669 80
In force at end of year,
,370,354 00 $319,628 05 $1,598,140 25
Miscellaneous.
Losses incurred during the year, $109,208 00
Percentage of profits or surplus returned during 1895, 84 T 8 4 5 per cent.
F1TCHBURG MUTUAL FIRE INSURANCE COMPANY,
FITCHBURG.
[Incorporated March 23, 1847. Commenced business Sept. 1, 1847.]
AMASA NORCROSS, President. EDWARD P. DOWNE, Secretary.
Amount of permanent fund,
$106,226 50
Detaiied Statement of Stocks,
Cheshire Railroad bonds, .
Fitchburg Railroad bonds,
Investment Trust Co. of America, .
Minnesota Thresher Manufacturing Co ,
City of Fitchburg bonds, .
10 shares Fitchburg National Bank,
20
10
15
227
25
Rollstone National Bank,
Fitchburg Railroad,
Springfield Safe Dep. & Trust Co.,
Minnesota Thresher Manuf. Co.,
Investment Trust Co. of America,
Bonds, etc.
Par Value.
$5,000 00
5,000 00
7,500 00
24,000 00
5,000 00
1,000 00
2,000 00
1,000 00
1,500 00
11,350 00
2,500 00
Market Value.
$5,200 00
5,000 00
7,500 00
24,000 00
5,000 00
1,500 00
3,000 00
900 00
1,950 00
8,512 5*
2,500 00
$65,850 00 $65,062 50
FITCHBUEG MUTUAL FIRE INSURANCE CO.
41
Securities held as collateral for cash loans : —
50 shares Garfield & Proctor Coal Company, .
40 " Simonds Manufacturing Company, .
40 " Simonds Manufacturing Company, .
Market Value. Loaned Thereon.
$5,000 00 $4,500 00
4,000 00 3,000 00
4,000 00 3,200 00
$13,000 00 $ 10,700 00
Summary of Assets Dec. 31, 1895.
Cash value of unencumbered real estate,
Loans on mortgage of real estate (first liens*)
Interest due or accrued thereon,
Stocks, bonds, etc., as per schedule, .
Loans on collateral security, as per schedule,
All other cash loans, ....
Cash in the office of the company, .
Cash deposited in bank, . . ■ .
Interest due and accrued, ....
Premiums in course of collection (gross),
Rents due and accrued, ....
Gross assets,
f80,000 00
37,823 00
885 87
65,062 50
10,700 00
3,900 00
998 66
10,950 59
612 73
17,635 00
757 98
$229,326 33
Liabilities.
Losses adjusted, unpaid, ....
Losses disputed or resisted,
Unearned premiums on outstanding risks,
Surplus on terminated policies, unpaid, .
Due and accrued for rent, salaries, etc , .
Due for borrowed money,
State and local taxes, ....
Commissions and brokerage, .
Gross liabilities, ....
Net cash assets,
$14,975 77
1,100 00
157,488 33
1,400 00
290 00
25,000 00
410 00
2,645 00
203,309 10
$26,017 23
Income.
Premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed, .
Total, . . .
Premiums now in course of collection, .
Entire premiums collected,
$12,035 55
120,984 17
$133,019 72
17,635 00
$115,384 72
* Value of lands mortgaged,
Value of buildings thereon, . .
Amount of insurance held as collateral,
$24,000 00
50,200 00
41,790 00
42
FRANKLIN MUTUAL FIRE INSURANCE CO.
Received for extra premiums, .
Interest received on mortgages,
Interest and dividends from all other sources,
Income from rents,
Gross cash income,
$1,002 86
3,035 70
3,302 25
3,048 57
$125,774 10
Expenditures.
Cash paid for losses,
as profits on terminated policies, .
for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for inspections, ....
for interest on borrowed money,
for incidentals, .
Gross cash expenditures, ....
$72,369 73
25,566 27
15,908 88
8,483 58
1,621 84
606 91
1,201 39
7,965 49
$133,724 09
Risks and Premiums.
Amount.
Risks outstanding Dec. 31, 1894, $24,775,588 00
Risks written during 1895, . 8,255,366 00
Total, . . . . . $33,030,954 00
Risks terminated during 1895, . 10,666,996 00
Cash Prem's. Conting't Prem's.
$388,083 55 $388,083 55
120,984 17 120,984 17
$509,067 72 $509,067 72
162,208 05 162,208 05
In force at end of year,
.$22,363,958 00 $346,859 67 $346,859 67
Miscellaneous.
Losses incurred during the year, $79,395 00
Percentage of profits or surplus returned during 1895, 10 and 20 per cent.
FRANKLIN MUTUAL FIRE INSURANCE COMPANY,
GREENFIELD.
[Incorporated Feb. 11, 1828. Commenced business Sept. 29, 1829.]
NELSON BURROWS, President. JOHN D. BOUKER, Secretary.
Amount of permanent fund,
t,524 52
Detailed Statement of Stocks, Bonds, etc.
Par Value. Market Value.
50 shares Greenfield Gas Light Company, . $2,500 00 $2,500 00
6 shares Franklin County National Bank, . 600 00 624 00
$3,100 00
1,124 00
FRANKLIN MUTUAL FIRE INSURANCE CO.
43
Summary op Assets Dec. 31, 1895.
Cash value of unencumbered real estate,
Loans on mortgage of real estate (fi
Interest due or accrued thereon,
Stocks, bonds, etc., as per schedule,
Loans on personal security,
Cash in the office of the company,
Cash deposited in bank, .
Interest due and accrued, .
Premiums in course of collection (g
Rents due and accrued,
Office furniture,
Unpaid assessments, .
Premiums more than three mos, due,
Gross assets, . . .
SS-LjIO ±JJ1.Kj. o
J., IUiJU.
state,
$1,000 00
rst liens*),
600 00
36 00
3,124 00
270 31
1,359 49
928 38
28 22
ross),
3,491 44
• . •
150 00
. $500 00
.45,184 66
3,244 68
,987 84
Liabilities.
Losses adjusted, unpaid, .
claimed and reported, .
disputed or resisted,
Unearned premiums on outstanding risks,
Due and accrued for rent, salaries, etc.,
State and local taxes,
Commissions and brokerage, .
Gross liabilities,
Balance against company, .
Income
Premiums outstanding Dec. 31, 1894,
Same not collected, ....
Net collected, ....
Premiums on risks written or renewed,
Total,
Premiums now in course of collection,
Entire premiums collected,
Less reinsurance and return premiums,
Net cash premiums received, .
Interest received on mortgages,
Interest and dividends received from all
Income from rents, ....
Assessment on contingent premiums,
Gross cash income,
$4,181 57
3,616 27
5,556 86
18,286 50
342 00
8 35
636 62
32 628 17
.at.
$21,640 33
other
$ 16,335 54
3,113 14
$13,222 40
26,823 80
$40,046 20
6,736 12
$33,310 08
168 00
sources.
$33,142 08
36 00
183 38
50 00
2,508 11
$35,919 57
* Value of lands mortgaged,
Value of buildings thereon,
$500 00
1,500 00
44
GROYELAND MUTUAL FIRE INSURANCE CO.
Expenditures.
Cash paid for losses, $28,689 55
Deduct salvage and reinsurance, ... 34 12
Net cash paid for losses, :
Cash paid for commissions and brokerage,
for salaries of officers and employees, .
for State and local taxes, ....
for rent and incidentals,
Suffolk Mutual Fire Insurance Co. (assessment),
Gross cash expenditures,
$28,655 43
5,408 14
2,210 00
234 72
1,956 69
90 82
$38,555 80
Risks and Premiums.
Risks outstanding Dec. 31, 1894,
Risks written during 1895,
Total
Risks terminated during 1895,
In force at end of year,
Deduct amount reinsured,
Net amount in force,
Amount.
53,315,847 00
1,350,457 00
$4,666,304 00
1,922,918 00
$2,743,386 00
4,150 00
Cash Prem's. Conting't Prem's.
$47,832 98 $47,832 98
26,823 80 26,823 80
$74,656 78
34,603 88
$40,052 90
66 06
$74,656 78
34,603 88
$40,052 90
66 06
?,739,236 00 $39,986 84 $39,986 84
Miscellaneous.
Losses incurred during the year, $34,360 00
Assessments laid on deposit notes or contingent premiums, . 47,692 00
GROYELAND MUTUAL FIRE INSURANCE COMPANY,
GROVELAND.
[Incorporated March 28, 1828. Commenced business March 28, 1828.]
MOSE3 FOSTER, President. NATHANIEL H. GRIFFITH, Secretary.
[Note. — This company charges no cash premiums, but relies upon assessments on deposit
notes to pay losses and expenses.]
Summary of Assets Dec. 31, 1895.
Cash in the office of the company, .
Cash deposited in bank, .
Gross assets, ....
Income.
Income from policy fees, .
Income from assessments,
Received from borrowed money,
Gross cash income, .
$119 44
1,062 34
$1,181 78
$203 50
6,278 78
$1,600 00
1,482 28
PIAMrSHIRE MUTUAL FIRE INSURANCE CO.
45
Expenditures.
Cash paid for losses,
for salaries of officers and employees, .
for State and local taxes,
for incidentals, .......
Borrowed money repaid, $2,714 00
Gross cash expenditures, . . . . .
Risks and Premiums.
Risks outstanding Dec. 31, 1894,
Risks written during 1895,
Total,
Deduct risks expired and terminated,
In force at end of year, .
Amount.
$1,669,695 00
441,690 00
$2,111,385 00
436,192 00
$3,607
70
565
05
52
88
33 00
$4,258 63
Conting't Prem's.
$119,117 08
31,508 80
$150,625 88
30,646 29
$1,675,193 00 $119,979 59
Miscellaneous.
Losses incurred during the year, $3,608 00
Assessments laid on deposit notes or contingent premiums, . 6,279 00
HAMPSHIRE MUTUAL FIRE INSURANCE COMPANY,
NORTHAMPTON.
[Incorporated March 6, 1830. Commenced business July 1, 1832.]
CHARLES N. CLARK, President. OLIVER WALKER, Secretary.
Amount of permanent fund, $27,523 66
Detailed Statement of Stocks, Bonds, etc.
63 shares Conn. River R.R ,
20 " Northampton National Bank, .
25 " Chicago, Burl. & Quincy R.R., .
Chicago, Burlington & Quincy R.R. bonds,
Conn. River R.R. scrip dividend,
Kansas Pacific R.R. bonds,
Par Value.
|6,300 00
2,000 00
2,500 00
400 00
1,000 00
5,000 00
Market Value.
$15,624 00
2,800 00
1,925 00
404 00
1,000 00
3,500 00
$17,200 00 $25,253 00
Summary of Assets Dec. 31, 1895.
Loans on mortgage of real estate (first liens *), $18,800 00
Stocks, bonds, etc., as per schedule, . . . 25,253 00
Cash in the office of the company,
Cash deposited in bank, .
Interest due and accrued, .
Gross assets,
27 28
17 07
832 19
$44,929 54
* Value of lands mortgaged,
Value of buildings thereon,
Amount of insurance held as collateral,
$12,400 00
28,100 00
27,800 00
46
HAMPSHIRE MUTUAL FIRE INSURANCE CO.
Liabilities.
Unearned premiums on outstanding risks, . $25,392 80
Taxes due or accrued, . 17 89
Surplus due on terminated policies, . . . 168 96
Gross liabilities, .....
$25,579 65
Net cash assets,
$19,349 89
Income.
Premiums on risks written or renewed, . . $11,371 98
Less reinsurance and return premiums, . . 407 05
Net cash premiums received, ....
Interest received on mortgages,
Interest and dividends received from all other sources, .
Received for insurance on office furniture, . .
Gross cash income, . . ...
$10,964 93
860 00
933 26
300 00
$13,058 19
Expenditures.
Cash paid for losses, ....
as profits on terminated policies, .
for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for rents, ......
for office furniture and incidentals,
Gross cash expenditures, ....
$5,402 62
5,119 16
1,157 95
1,463 00
112 36
132 50
651 63
$14,039 22
Risks and Premiums.
Amount.
Risks outstanding Dec. 31,1894, $3,969,736 00
Risks written during 1895, . 802,992 00
Total, . . . . . $4,772,728 00
Risks terminated during 1895, . 814,325 00
Cash Prem's. Conting't Prem's.
$59,852 29 $59,852 29
11,371 98 11,371 98
571,224 27 $71,224 27
15,390 01 15,390 01
In force at end of year, . . $3,958,403 00 $55,834 26 $55,834 26
Miscellaneous.
Losses incurred during the year, ...... $5,403 00
Percentage of profits or surplus returned during 1895, 50 per cent.
IIINGIIAM MUTUAL FIRE INSURANCE CO.
47
IIINGIIAM MUTUAL FIRE INSURANCE COMPANY, HINGHAM.
[Incorporated March 4, 1826. Commenced business Sept. 1, 1826.]
AMOS BATES, President. HENRY W. CUSHING, Secretary.
Amount of permanent fund, $ 193,042 98
Detailed Statement of Stocks,
57 shares Hingham National Bank, Hingham,
60 " Old Colony Nat'l Bank, Plymouth, .
8 " Abington National Bank, Abington,
10 " Globe National Bank, Boston,
19 " Hamilton National Bank, Boston,
29 " Eagle National Bank, Boston,
12 " Union National Bank, Boston,
34 " State National Bank, Boston, .
26 " North America Nat'l Bank, Boston
11 " Commerce National Bank, Boston,
30 " Webster National Bank, Boston,
50 " Hingham Water Company,
92 " Old Colony Railroad,
109 " Boston & Albany Railroad,
27 " Chicago, Burlington & Quincy R.R.
Eastern Railroad bonds, ....
Union Pacific Railroad bonds, .
Chicago, Burlington & Quincy Railroad bonds
Hingham Water Company bonds,
Fitchburg Railroad bonds,
Town of Hull note,
Securities held as collateral for cash loans : —
Helena Consolidated Water Company bonds,
Boston & Lowell Railroad bonds,
200 shares Burl., Cedar Rapids & N'th'n R.R.,>|
100 shares General Electric Company,
Current River Railroad bonds, .
200 shares Union Pacific Railroad, .
Little Rock & Fort Smith Railroad bonds
Union Pacific, Denver & Gull R.R. bonds
Cedar Rapids & Missouri River R.R. bonds,
25 shares Edisto Phosphate Co.,
85 " Maine Central R.R.,
200 " Central Mass. R.R.,
50 " Hereford Railway Co.,
250 " Metropolitan Steamship Co.,
Bonds, etc.
Par Value.
$3,990 00
6,000 00
800 00
1,000 00
1,900 00
2,900 00
1,200 00
3,400 00
2,600 00
1,100 00
3,000 00
5,000 00
9,200 00
10,900 00
2,700 00
5,000 00
5,000 00
5,800 00
10,000 00
15,000 00
3,500 00
Market Value.
$3,990 00
9,000 00
960 00
85 75
2,052 00
2,378 00
1,588 50
3,740 00
2,626 00
1,232 00
3,090 00
6,000 00
16,284 00
22,508 50
2,092 50
5,900 00
5,288 75
6,664 00
10,000 00
15,750 00
3,500 00
$99,990 00 $124,730 00
Market Value. Loaned Thereon.
$22,045 00 $18,451 14
). 20,150 00 15,000 00
13,380 00 12,000 00
3,250 00 2,000 00
27,473 75 20,000 00
62,500 00 25,000 00
$148,798 75 $92,451 14
48
HINGHAM MUTUAL FIRE INSURANCE CO.
Summary of Assets Dec
Cash value of unencumbered real estate,
Loans on mortgage of real estate (first liens*)
Interest due or accrued thereon,
Stocks, bonds, etc , as per schedule, .
Loans on collateral security, as per schedule,
All other cash loans,
Cash in the office of the company, .
Cash deposited in bank, .
Interest due and accrued, ....
Premiums in course of collection (gross),
Gross assets,
Liabilities.
Losses claimed and reported, .
Unearned premiums on outstanding risks,
Surplus due on terminated policies, .
Commissions and brokerage, .
Gross liabilities, ....
Net cash assets,
31, 1895.
$16,465 35
106,450 00
2,634 60
124,730 00
92,451 14
2,000 00
1,120 52
18,195 41
1,927 02
986 40
$2,400 00
192,426 95
2,719 63
147 96
$366,960 44
197,694 54
$169,265 90
Income.
Premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed, .
Total,
Premiums now in course of collection, .
Entire premiums collected,
Less reinsurance and return premiums, .
Net cash premiums received, .
Received for extra premiums, .
Interest received on mortgages,
Interest and dividends received from all other
Income from all other sources,
Income from sales of real estate,
Gross cash income, ....
Expenditures.
Cash paid for losses, ....
as profits on terminated policies,
for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes, .
for incidentals, ....
Gross cash expenditures, .
$1,329 76
71,443 16
$72,772 92
986 40
M,786 52
3,688 21
sources,
$6,439 35
$68,098 31
2,321 32
5,110 30
10,419 40
16 10
$85,965 43
$42,012 07
39,022 44
10,560 90
4,972 59
2,047 94
1,397 88
$100,013 82
* Value of lands mortgaged,
Value of buildings thereon, . . ,
Amount of insurance held as collateral,
$56,700 00
139,850 00
120,050 00
HOLYOKE MUTUAL FIRE INSURANCE CO.
49
Risks and Premiums.
Amount. Cash Prem's. Conting't Prem's.
Risks outstanding Dec. 31, 1894, . $27,385,599 00 $398,711 62 $398,711 62
Risks written during 1895, . . 4,814,324 00 71,443 16 71,443 16
Total, $32,199,923 00 $470,154 78 $470,154 78
Risks terminated during 1895, . 4,081,840 00 60,050 91 60,050 91
In force at end of year,
. $28,118,083 00 $410,103 87 $410,103 87
Miscellaneous.
Losses incurred during the year, ...... $43,472 00
Percentage of profits or surplus returned during 1895, 50 and 70 per cent.
HOLYOKE MUTUAL FIRE INSURANCE COMPANY, SALEM.
[Incorporated March 14, 1843. Commenced business May 23, 1843.]
CHARLES H. PRICE, President. WALTER L. HARRIS, Secretary.
THOS. H. JOHNSON, Vice-President.
Guaranty Capital, $100,000.
Amount of permanent fund, ....... $494,105 40
Detailed Statement of Stocks, Bonds, etc.
Wayne County (Mich.) bonds,
Marion County (Ind.) bonds, .
Washington County (111.) bonds
Boston (Mass.) city bonds,
Birmingham (Ala.) city bonds
Cincinnati (Ohio) city bonds,
Columbus (Ohio) city bonds,
Cleveland (Ohio) city bonds,
Cambridge (Mass.) city bonds
Des Mones (Iowa) city bonds,
Dayton (Ohio) city bonds,
Evansville (Ind.) city bonds,
Jersey City (N. J.) city bonds,
Jeffersonville (Ind) city bonds
Lynn (Mass.) city bonds, .
Lawrence (Mass.) city bonds,
Maiden (Mass.) city bonds,
Milwaukee (Wis.) city bonds,
Manchester (Mass.) town notes,
New Haven (Conn.) city bonds,
Orange (N. J.) city bonds,
Omaha (Neb.) city bonds,
Par Value.
$10,000 00
10,000 00
2,000 00
5,000 00
5,000 00
16,000 00
15,000 00
13,000 00
5,000 00
4,000 00
10,000 00
6,000 00
5,000 00
7,000 00
8,000 00
5,000 0Q»
10,000 00
5,000 00
3,000 00
5,000 00
10,000 00
24,500 00
Market Value.
$10,300 00
10,381 25
2,120 00
5,050 00
5,000 00
18,860 00
15,650 00
13,900 00
5,250 00
4,660 00
10,418 75
6,000 00
5,400 00
7,000 00
8,200 00
5,200 00
10,150 00
5,050 00
3,030 00
5,700 00
10,600 00
24,867 50
50
HOLYOKE MUTUAL FIRE INSURANCE CO.
St. Louis (Mo.) city bonds, ....
St Paul (Minn.) city bonds, ....
Atchison, Topeka & Santa Fe Railroad bonds,
Boston & Maine Railroad bonds,
Baltimore & Ohio Railroad bonds, .
Burlington & Missouri River R.R. (Neb.) bonds,
Cincinnati, Hamilton & Dayton Railroad bonds,
Chesapeake & Ohio Railroad bonds,
Chicago, Burlington & Quincy R.R. bonds,
Cleveland, L. & Wheeling R.R. bonds, .
Chicago, Burlington & Northern R.R. bonds,
Chicago & Alton Railroad bonds,
Chicago & Eastern Illinois Railroad bonds,
Chicago & West Indiana Railroad bonds,
Central Pacific Railroad bonds,
Central New Jersey Railroad bonds,
Eastern Railroad bonds, .
East Middlesex Street Railroad bonds,
Housatonic Railroad bonds,
Jackson, Lansing & Saginaw Railroad bonds,
Kansas City, St. Jo. & C. B. Railroad bonds,
Kansas City, Ft. S. & Memphis R.R. bonds,
Lehigh Valley Railroad bonds,
New York & New England Railroad bonds,
New Haven & Derby Railroad bonds,
Northwestern Union Railroad bonds,
Terre Haute & So. Eastern Railroad bonds,
Utah & Northern Railroad bonds, .
Union Pacific Railroad bonds, .
Consolidated Vermont Railroad bonds, .
Boston Building Co , Denver, Col., bonds,
Col. M. S. Exchange, Denver, Col , bonds,
Delaware & Hudson Canal Company bonds,
Keokuk Water Company bonds,
Western Union Telegraph Company bonds,
31 shares Old Colony Railroad,
50 " Portland, Portsmouth & Saco R.R
100 " Pitts , Ft. Worth & Chicago R.R.,
40 " National Exchange Bank, Salem,
10 " First National Bank, Salem, .
10 " Merchants' National Bank, Salem,
35 " Mercantile National Bank, Salem,
41 " N^imkeag National Bank, Salem,
140 " Salem National Bank, Salem, .
30 " Atlantic National Bank, Boston,
10 " Blackstone National Bank, Boston,
31 " Continental National Bank, Boston,
50 " Freeman's National Bank, Boston, .
Par Value.
$5,000 00
25,000 00
12,000 00
10,000 00
10,000 00
10,000 00
10,000 00
10,000 00
16,500 00
10,000 00
10,000 00
5,000 00
5,000 00
8,000 00
3,000 00
7,000 00
10,000 00
10,000 00
10,000 00
6,000 00
5,000 00
8,000 00
5,000 00
15,000 00
20,000 00
8,000 00
5,000 00
10,000 00
28,000 00
# 2,000 00
10,000 00
10,000 00
5,000 00
10,000 00
5,000 00
3,100 00
5,000 00
10,000 00
4,000 00
1,000 00
500 00
3,500 00
4,100 00
14,000 00
3,000 00
1,000 00
3,100 00
5,000 00
Market Value.
$5,250 00
27,550 00
8,640 00
10,200 00
11,950 00
9,800 00
10,300 00
11,200 00
16,500 00
10,600 00
10,200 00
5,812 50
5,500 00
9,200 00
3,090 00
8,120 00
12,000 00
10,200 00
12,400 00
6,150 00
6,050 00
7,840 00
6,200 00
17,730 00
23,000 00
10,960 00
5,500 00
9,500 00
26,775 00
1,780 00
10,200 00
10,000 00
7,150 00
10,200 00
5,400 00
5,518 00
7,250 00
15,800 00
3,800 00
900 00
670 00
3,675 00
5,330 00
16,800 00
3,600 00
1,000 00
3,309 25
4,412 50
HOLYOKE MUTUAL FIRE INSURANCE CO.
51
30 shares Globe National Bank, Boston,
100 " Merchants 1 National Bank. Boston,
50 " Republic National Bank, Boston, .
30 " Revere National Bank, Boston,
100 " Second National Bank, Boston,
40 " Shoe and Leather Nat'l Bank, Boston,
10 " Beverly National Bank, Beverly, .
20 " So. Danvers Nat'l Bank, Peabody, .
12 " First National Bank, Nevvbnryport,
Tar Value.
$3,000 00
10,000 00
5,000 00
3,000 00
10,000 00
4,000 00
1,000 00
2,000 00
1,200 00
Market Value.
$2,572 50
15,475 00
7,600 00
2,715 00
18,100 00
3,600 00
1,450 00
2,380 00
1,518 00
18,500 00 $683,240 25
Summary of Assets Dec. 31, 1895.
Cash value of unencumbered real estate,
Loans on mortgage of real estate (first liens*),
Stocks, bonds, etc., as per schedule,
Cash in the office of the company, .
Cash deposited in bank, ....
Premiums in course of collection (gross),
Interest due and accrued, ....
Gross assets,
$52,275 00
106,250 00
683,240 25
1,037 03
9,692 06
4,728 36
11,615 38
$868,838 08
Liabilities.
Losses adjusted, unpaid, ....
Losses claimed and reported, .
Unearned premiums on outstanding risks,
Return premiums on cancelled policies, .
Surplus due on terminated policies,
Commissions and brokerage, .
Gross liabilities, ....
Net cash assets,
$121 62
1,458 00
309,495 46
260 12
2,135 73
1,197 56
314,668 49
$554,169 59
Income.
Premiums outstanding Dec. 31, 1894,
Premiums or risks written or renewed, .
Total,
Premiums now in course of collection, .
Entire premiums collected,
Less reinsurance and return premiums, .
Net cash premiums received, .
Received for extra premiums, .
$1,720 35
167,336 36
169,056 71
4,728 36
164,328 3.5
4,834 13
$159,494 22
1,988 11
* Value of lands mortgaged,
Value of buildings thereon, .
Amount of insurance held as collateral,
$103,600 00
149,100 00
92,850 00
52
INDUSTRIAL MUTUAL INSURANCE CO.
Interest received on mortgages,
Interest and dividends received from all other
Income from rents,
Gross cash income, . .
Expenditures.
Cash paid for losses,
as profits on terminated policies,
for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for incidentals,
for dividends on guaranty capital,
Gross cash expenditures, .
Risks and Premiums.
Amount.
Risks outstanding Dec. 31, 1894, $ 39,375,137 00
Risks written during 1895, . 11,062,273 00
sources,
Cash Prem's.
$571,252 88
167,336 36
Total, $50,437,410 00
Risks terminated during 1895, . 8,949,902 00
|738,589 24
131,174 81
In force at end of year,
Deduct amount reinsured,
.$41,487,508 00
62,750 00
$607,414 43
567 70
Net amount in force, . . $11,424,758 00 $606,846 73
$4,142 75
33,543 00
2,733 22
$201,901 30
$62,974 46
69,456 91
25,007 51
15,875 00
2,290 24
4,394 12
7,000 00
$186,998 24
Conting't Prem's.
$571,252 88
167,336 36
J738,589 24
131,174 81
,414 43
567 70
,846 73
Miscellaneous.
Losses incurred during the year, $62,239 00
Percentage of profits or surplus returned during 1895, 25, 50, 70 per cent.
INDUSTRIAL MUTUAL INSURANCE COMPANY, BOSTON.
[Incorporated April 17, 1890. Commenced business June 1, 1890.]
B. F. TAFT, President. BENJAMIN TAFT, Secretary.
Office, 31 Milk Street.
Detailed Statement of Stocks, Bonds, etc.
West End Street R.R. bonds,
Fitchburg R.R bonds,
Lynn & Boston R.R. bonds,
Maine Central R.R. bonds,
Conn. River R R. scrip,
Cheshire R.R. bonds,
100 shares United States Rubber Co
Corporation notes, .
Par Value.
$25,000 00
15,000 00
5,000 00
15,000 00
5,000 00
500 00
10,000 00
47,301 51
Market Value.
$26,000 00
15,000 00
5,000 00
15,125 00
5,000 00
502 00
8,600 00
47,301 51
$122,801 51 $122,528 51
INDUSTRIAL MUTUAL INSURANCE CO.
53
Summary of Assets Dec 31, 1895.
Stocks, bonds, etc., as per schedule, . . f 122,528 51
Cash in the office of the company, . . . 1C9 87
Cash deposited in bank, . . . . . 17,774 76
Interest due and accrued, 1,556 64
Premiums in course of collection (gross), . 5,615 61
Rents due and accrued, 555 50
Gross assets, $148,200 89
Liabilities.
Losses adjusted, unpaid, $530 80
Unearned premiums on outstanding risks, . 87,430 26
State and local taxes, 360 33
Gross liabilities, 88,321 39
Net cash assets, . . . . . . . . $59,879 50
Income.
Premiums outstanding Dec. 31, 1894, . . $3,907 70
Premiums on risks written or renewed, . . 179,354 60
Total, $183,262 30
Premiums now in course of collection, . . 5,G15 61
Net cash premiums received, .... $177,646 69
Interest and dividends received from all sources, . . . 4,277 31
Gross cash income, $181,924 00
Expenditures.
Cash paid for losses,
as profits on terminated policies, .
for inspections, . . . .
for salaries of officers and employees,
for State and local taxes,
for incidentals,
Gross cash expenditures, ....
),767 17
105,965 25
2,881 11
5,221 54
1,827 41
11,808 14
$158,470 62
Risks and Premiums.
Amount.
Risks outstanding Dec. 31, 1894, $15,061,271 00
Risks written during 1895, . 20,183,513 00
Total, . . . . . $35,244,784 00
Risks terminated during 1895, . 17,954,914 00
Cash Prem's. Conting't Prem's.
$150,269 84 $751,349 20
179,354 60 896,773 00
$329,624 44 $1,648,122 20
154,764 18 773,820 90
In force at end of year,
.$17,289,870 00 $174,860 26 $874,301 30
Miscellaneous.
Losses incurred during the year,
Percentage of profits or surplus returned during
$29,572 00
1895, 70 per cent.
54
LOWELL MUTUAL FIRE INSURANCE CO.
LOWELL MUTUAL EIRE INSURANCE COMPANY, LOWELL
[Incorporated March 6, 1832. Commenced business April, 1832.]
JAMES C. ABBOTT, President. JOSEPH PEABODT, Secretary.
Amount of permanent fund Dec. 31, 1894,
Increase during the year, ....
Permanent fund Dec. 31, 1895,.
|77,957 99
2,518 52
$80,476 51
Detailed Statement of Stocks, Bonds, etc.
Boston & Lowell Railroad bonds, .
Lowell & Lawrence Railroad bonds,
Fitchburg Railroad bonds,
Consolidated Railroad of Vermont bonds,
Boston city bond,
Maine Central Railroad bonds,
30 shares Lowell Bleachery, . . . '
2
30
2
10
50
5
12
50
30
6
30
20
20
Pacific Mills, ....
Lawrence Manufacturing Company
Hamilton Manufacturing Company
Lowell Manufacturing Company,
Massachusetts Cotton Mills,
Appleton Company, .
Merrimack Manufacturing Company
Franklin Manufacturing Company
Hill Manufacturing Company, .
Vermont & Massachusetts Railroad
Boston & Maine Railroad,
Boston & Lowell Railroad,
First National Bank, Lowell, .
Par Value.
$10,000 00
4,000 00
10,000 00
1,000 00
2,000 00
6,000 00
3,000 00
2,000 00
2,000 00
2,000 00
6,900 00
5,000 00
5,000 00
12,000 00
5,000 00
3,000 00
600 00
3,000 00
2,000 00
2,000 00
Market Value.
$10,252 00
4,140 00
10,205 00
865 00
2,260 00
6,000 00
3,262 00
3,800 00
2,440 00
1,930 00
5,625 00
5,000 00
2,500 00
14,100 00
5,575 00
1,890 00
894 00
5,055 00
4,060 00
3,440 00
,500 00 $93,293 00
Summary of Assets Dec
Loans on mortgage of real estate (first liens*)
Stocks, bonds, etc., as per sched^e, .
Cash in the office of the compairy, .
Cash deposited in bank, ....
Premiums in course of collection (gross),
Interest due and accrued, ....
Gross assets,
31, 1895.
$8,750 00
93,293 00
1,135 86
15,834 84
3,401 82
1,019 04
$ 123,434 56
* Value of lands mortgaged, .
Value of buildings thereon,
Amount of insurance held as collateral,
$9,500 00
10,500 00
8,000 00
LOWELL MUTUAL FIRE INSURANCE CO.
55
Liabilities.
Net amount of unpaid losses, .
Unearned premiums on outstanding risks,
Surplus due on terminated policies,
Commissions and brokerage, .
Gross liabilities, ....
§ 3,250 00
46,284 72
771 39
475 42
50,781 53
Net cash assets, $72,653 03
Income.
Premiums outstanding Dec. 31, 1894,
Same not collected,
Net collected,
Premiums on risks written or renewed, .
Total, . . . . .
Premiums now in course of collection, .
Entire premiums collected,
Less reinsurance and return premiums, .
Net cash premiums received, .
Received for extra premiums, .
Interest received on mortgages,
Interest and dividends received from all other
Income agency department,
Gross cash income, ....
$4,420 66
396 19
$4,024 47
33,915 16
$37,939 63
3,401 82
|34,537 81
967 66
sources,
§33,570 15
230 41
562 65
4,223 06
868 35
§39,454 62
Expenditures.
Cash paid for losses,. . . .
as profits on terminated policies,
for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,,
for rent and incidentals, .
Gross cash expenditures, . . ...
$7,005 82
11,574 20
3,845 97
5,867 70
440 36
2,293 44
§31,027 49
Risks and Premiums.
Amount.
Risks outstanding Dec. 31, 1894, §5,205,977 00
Risks written during 1895, . 2,081,347 00
Total,.
Risks terminated during 1895,
In force at end of year, .
Deduct amount reinsured,
Net amount in force, .
17,287,324 00
1,829,998 00
55,457,326 00
50,350 00
Cash Prem's. Conting't Prem's.
§83,794 89 $83,794 89
33,915 16 33,915 16
.17,710 05 $117,710 05
28,545 30 28,545 30
,164 75
643 79
,164 75
643 79
§5,406,976 00 $88,520 96
,520 96
56
LUMBER MUTUAL FIRE INSURANCE CO.
Miscellaneous.
Losses incurred during the year, f 10,256 00
Percentage of profits or surplus returned during 1895, 33^, 50 and 70 per cent.
LUMBER MUTUAL FIRE INSURANCE COMPANY, BOSTON.
[Incorporated Feb. 13, 1895. Commenced business March 28, 1895.]
W. C. JOHNSON, President. N. M. JEWETT, Secretary.
Office, 166 Devonshire Street.
Summary of Assets Dec. 31, 1895.
Cash deposited in banks, . . . . $15,389 25
Premiums in course of collection (gross), . 2,736 11
Return premiums due from other companies, . 142 53
Premiums more than three mos. due, $280 00
Gross assets, $18,267 89
Liabilities.
Unearned premiums on outstanding risks,
Gross liabilities,
Net cash assets,
$13,377 30
13,377 30
$1,890 59
Income.
Premiums on risks written,
Premiums now in course of collection,
Entire premiums collected,
Less reinsurance and return premiums,
Net cash premiums received, .
Interest and dividends received from all
Income from rents, .
Received for inspections, .
Gross cash income, .
sources,
$30,187 18
3,016 11
$27,171 07
3,320 47
$23,850 60
166 64
97 22
4 92
$24,119 38
Expenditures.
Net cash paid for losses,
Cash paid for salaries of officers and employees,
for State and local taxes,
for rent and incidentals, . ...
for inspections, ....
Gross cash expenditures, ....
$1,065 62
3,198 69
174 74
2,652 59
1,638 49
$8,730 13
LYNN MUTUAL FIRE INSURANCE CO.
57
Risks and Premiums.
Amount. Cash Pretn's. Conting't Prera's.
Risks written during 1895, . $1,420,543 00 $30,187 18 $90,561 54
Risks terminated during 1895, . 132,300 00 3,343 51 10,030 53
In force at end of year, .
Deduct amount reinsured,
Net amount in force,
51,288,243 00
4,750 00
,843 67
89 06
.,283,493 00 $26,754 61
,531 01
267 18
,263 83
Miscellaneous.
Losses incurred during the year,
.,065 00
LYNN MUTUAL FIRE INSURANCE COMPANY, LYNN.
[Incorporated Feb. 20, 1828. Commenced business Aug. 1, 1828.]
RUFUS KIMBALL, President. ISRAEL AUGUSTUS NEWHALL, Secretary.
Amount of permanent fund Dec. 31, 1894,
$56,910 38
Detailed Statement of Stocks, Bonds, etc.
40 shares First National Bank, Lynn,
20 " National City Bank, Lynn,
5 " Central National Bank, Lynn, .
10 " Merchants' National Bank, Boston,
15 " West Newton National Bank, .
Chicago, Milwaukee & St. Paul R.R. bonds,
Southern Pacific Railroad bonds,
Atlantic & Pacific Railroad bonds, .
Mexican Central Railroad bonds,
Toledo City bonds,
Lynn & Boston Railroad bonds,
Chicago & Great Western Railroad bonds,
Ohio & West Virginia Railroad bonds, .
Ogdensburg & Lake Cham plain R.R. bonds,
East Middlesex Railroad bonds,
Equitable Mortgage Company bonds,
Atchison, Topeka & Santa Fe Railroad bonds,
City of Sioux City bond, ....
Boston, Revere Beach & Lynn Railroad bonds,
Par Value.
Market Value.
$4,000 00
$6,000 00
2,000 00
3,700 00
500 00
800 00
1,000 00
1,575 00
1,500 00
1,890 00
1,000 00
1,160 00
500 00
575 00
1,000 00
450 00
1,000 00
670 00
1,000 00
1,040 00
3,000 00
3,060 00
2,000 00
2,050 00
1,000 00
1,170 00
2,000 00
2,120 00
2,000 00
2,080 00
1,000 00
800 00
7,000 00
3,360 00
500 00
520 00
2,000 00
2,060 00
$34,000 00 $35,080 00
58
LYNN MUTUAL FIRE INSURANCE CO.
Summary of Assets Dec. 31, 1895.
Loans on mortffaffe of real estate *
Interest due or accrued thereon,
Stocks, bonds, etc., as per schedule,
Loans on collateral security,
All other cash loans, .
Cash in the office of the company,
Cash deposited in bank, .
Interest due and accrued, .
Premiums in course of collection (gross)
Rents due and accrued,
Gross assets,
$21,585 00
1,018 21
35,080 00
3,000 00
596 20
48 58
1,359 31
347 85
70 25
126 00
$63,231 40
Liabilities.
Losses adjusted, unpaid, .
Unearned premiums on outstanding risks,
Surplus due on terminated policies, .
Gross liabilities,
Net cash assets,
Income
Premiums outstanding Dec. 31, 1894,
Same not collected, ....
Premiums on risks written or renewed,
Premiums now in course of collection,
Entire premiums collected,
Less reinsurance and return premiums,
Net cash premiums received, .
Received for extra premiums, .
Interest received on mort<^ao:es,
Interest and dividends received from all other sources, .
Gross cash income, .
$22 00
14,000 75
282 00
14,304 75
$48,926 65
$3 75
3 75
$6,313 57
70 25
$6,243 32
231 75
$6,011 57
40 67
1,108 40
1,989 58
r sources, .
1,150 22
Expenditures.
Cash paid for losses, ...
as profits on terminated policies, .
for salaries of officers and employees,
for State and local taxes,
for rent and incidentals, .
Gross cash expenditures, ....
$1,710 54
5,424 69
2,300 00
66 90
1,144 87
$10,647 00
* Value of lands mortgaged,
Value of buildings thereon, .
Amount of insurance held as collateral,
$24,950 00
30,000 00
28,600 00
merchants' and farmers' mutual fire INSURANCE CO, 59
Risks and Premiums.
Amount.
Risks outstanding Dec. 31, 1894, $1,977,930 00
Risks written during 1895, . 461,670 00
Total, $2,439,600 00
Risks terminated during 1895, 414,250 00
Cash Prem's. Conting't Prem's.
$25,980 67 $51,961 34
6,313 57 12,627 14
$32,294 24 $64,588 48
5,656 44 11,312 88
In force at end of year, . . $2,025,350 00 $26,637 80 $53,275 60
Miscellaneous.
Losses incurred during the year, f 1,733 00
Percentage of profits or surplus returned during 1895, 100 per cent.
MERCHANTS' AND FARMERS' MUTUAL FIRE INSURANCE
COMPANY, WORCESTER.
[Incorporated April 1, 1846. Commenced business Jan. 1, 1847.]
JOHN D. WASHBURN", President. ELIJAH B. STODDARD, Secretary.
Amount of permanent fund, ....... $121,57443
Detailed Statement of Stocks,
60 shares Atch., Topeka & Santa FeR.R.,
50 *
25 '
20 '
20 '
13 «
25 '
29 »
56 '
25 «
61 '
34 «
25 «
10 '
1 Union Pacific Railroad,
1 Wachusett National Bank,
1 Westminster National Bank,
' Central National Bank, .
'• Mechanics' National Bank,
1 Quinsigamond National Bank,
' Wor., Nashua & Rochester R.R.,
1 Chicago & Alton Railroad,
' Chicago, Burlington & Quincy R.R.
1 Boston & Albany Railroad,
' Providence & "Worcester Railroad,
1 Norwich & Worcester Railroad,
1 Boston & Maine Railroad,
Providence & Worcester Railroad bonds,
Lawrence city bonds, ....
Eastern Railroad of Minnesota bonds,
Chicago, Burlington & Quincy R.R. bonds,
Atchison, Topeka & Santa Fe R.R. bonds,
City of Grand Haven, Mich., bonds,
Corporation notes, .....
Bonds, etc.
Par Value.
$6,000 00
5,000 00
2,500 00
2,000 00
2,000 00
1,300 00
2,500 00
2,900 00
5,600 00
2,500 00
6,100 00
3,400 00
2,500 00
1,000 00
25,000 00
10,000 00
5,000 00
500 00
13,900 00
8,000 00
750 00
Market Value.
$700 00
200 00
5,000 00
2,000 00
2,950 00
1,300 00
3,600 00
3,277 00
8,668 00
1,875 00
12,566 00
8,500 00
5,000 00
1,700 00
26,250 00
11,600 00
5,250 00
500 00
7,713 00
8,000 00
750 00
$108,450 00 $117,399 00
60 merchants' and farmers' mutual FIRE INSURANCE CO.
Summary of Assets Dec. 31, 1895.
Cash value of unencumbered real estate,
Loans on mortgage of real estate (first liens*),
Interest due or accrued thereon,
Stocks, bonds, etc., as per schedule,
All other cash loans, .
Cash deposited in bank, .
Interest due and accrued, .
Premiums in course of collection (gross),
Premiums more than three months due, $901 79
Gross assets,
$33,800 00
72,250 00
8,406 05
117,399 00
413 43
2,355 58
1,400 00
9,489 13
$245,513 19
Liabilities.
Losses adjusted, unpaid, ....
Losses claimed and reported, .
Unearned premiums on outstanding risks,
Surplus due on terminated policies,
Commissions and brokerage, .
Gross liabilities, ....
$2,054 42
2,000 00
163,462 17
3,000 00
1,516 98
172,033 57
Net cash assets,
$73,479 62
Income.
Premiums outstanding Dec. 31, 1894,
Same not collected, ....
Net collected, ....
Premiums on risks written or renewed,
Total,
Premiums now in course of collection,
Entire premiums collected,
Less reinsurance and return premiums.
Net cash premiums received, .
Received for extra premiums, .
Interest received on mortgages,
Interest and dividends received from all other
Income from rents, ....
Gross cash income,
$7,263 87
481 47
$6,782 40
104,129 71
$110,912 11
10,390 92
$100,521 19
4,131 98
sources,
,389 21
967 01
2,331 70
5,436 61
1,336 66
$106,461 19
* Value of lands mortgaged,
Value of buildings thereon,
Amount of insurance held as collateral,
$91,500 00
126,000 00
82,200 00
MERRIMACK MUTUAL FIRE INSURANCE CO.
61
Expenditures.
Cash paid for losses, ....
as profits on terminated policies,
for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for incidentals,
for expense on real estate,
Gross cash expenditures, .
$39,757 60
42,961 04
14,901 42
7,362 26
1,775 96
4,071 93
183 20
flll,013 41
Risks and Premiums.
Amount. Cash Prem's. Conting't Prem's.
Risks outstanding Dec. 31, 1894, $23,266,747 00 $345,896 21 $345,896 21
Risks written during 1895, . 7,041,648 00 104,129 71 104,129 71
Total, . . . . . $30,308,395 00 $450,025 92 $450,025 92
Risks terminated during 1895, . 7,381,611 00 107,262 21 107,262 21
In force at end of year, . .$22,926,784 00 $342,763 71 $342,763 71
Miscellaneous.
Losses incurred during the year, . = $41,539 00
Percentage of profits or surplus returned during 1895, 20, 40, 60 per cent.
MERRIMACK MUTUAL FIRE INSURANCE COMPANY, ANDOVER.
[Incorporated Feb. 7, 1828. Commenced business April 8, 1828.]
WM. S. JENKINS, President. JOSEPH A. SMART, Secretary.
Amount of permanent fund, $150,206 00
Detailed Statement of Stocks, Bonds, etc.
Par Value. Market Value.
Cincinnati city bonds, $16,000 00 $19,130 00
Fall River city bonds, . . . . . 10,000 00 10,300 00
Lynn city bonds, . ... . . 5,000 00 5,500 00
United States bonds, . . . . . 27,000 00 28,240 00
Cambridge Horse Railroad bond, . . . 14,000 00 14,560 00
Metropolitan Horse Railroad bonds, . . 10,000 00 10,400 00
Boston & Maine Railroad bonds, . . . 2,000 00 2,040 00
Old Colony Railroad bonds, .... 10,000 00 10,050 00
Chicago, Burlington & Qnincy R.R. bonds, . 10,000 00 10,300 00
Chicago & Northwestern Railroad bonds, . 5,000 00 5,387 00
Chicago, Milwaukee & St. Paul R.R. bonds, . 5,000 00 5,375 00
Lynn & Boston Horse Railroad bonds, . . 6,000 00 5,700 00
Spokane and Palouse Railroad bonds, . . 5,000 00 3,900 00
Salem (Ohio) Water Company bonds, . . 6,000 00 4,740 00
Helena (Montana) Water Company bonds, . 5,000 00 4,000 00
Chicago, Wisconsin and Minn. R.R. bonds, . 5,000 00 5,000 00
Northern Pacific & Montana Railroad bonds, . 10,000 00 2,800 00
02
MERRIMACK MUTUAL FIRE INSURANCE CO.
Chicago, Peoria & St. Louis Railroad bonds,
50 shares Boston Investment Company,
Cleveland Cable bonds, .
Andover Electric Company bonds,
Andover water bonds,
Globe Street Railway bonds, .
Seattle city bonds, .
15 shares Lawrence National Bank,
9h shares Andover National Bank,
Summary op Assets Dec
Cash value of unencumbered real estate,
Loans on mortgage of real estate (first liens*)
Interest due and accrued on same, .
Stocks, bonds, etc., as per schedule,.
Cash in the office of the company, .
Cash deposited in bank, ....
Premiums in course of collection (gross),
Interest due and accrued, «...
Gross assets,
Liabilities.
Losses claimed and reported, .
Unearned premiums on outstanding risks,
Return premiums on cancelled policies, .
Surplus due on terminated policies,.
Commissions and brokerage, .
Gross liabilities,
Par Value.
$5,000 00
5,000 00
8,000 00
5,500 00
9,000 00
10,000 00
5,000 00
1,500 00
950 00
Market Value.
$4,950 00
1,250 00
8,000 00
6,050 00
9,360 00
10,0( 00
5,000 00
1,800 00
1,045 00
$200,950 00 $ 194,877 00
31,
1895.
$8,000 00
69,700 00
1,313 72
194,877 00
784 54
3,175 63
12,100 93
4,080 04
$294,031 86
$3,854 67
229,205 95
57 52
5,082 35
1,869 68
240,070 17
Net cash assets, . . . ... . . . $53,961 69
Income.
Premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed, .
Total,
Premiums now in course of collection,
Entire premiums collected,
Less reinsurance and return premiums, .
Net cash premiums received, .
Received for extra premiums, .
Interest received on mortgages,
Interest and dividends received from all other
Income from all other sources, . .
Gross cash income, ....
$11,631 99
120,274 84
$131,906 83
12,100 93
$119,805 90
4,290 22
sources,
$115,515 68
1,476 21
2,150 00
10,886 35
872 11
$130,900 35
* Total value of property mortgaged, .
Amount of insurance held as collateral,
$135,950 00
79,970 00
MIDDLESEX MUTUAL FIRE INSURANCE CO.
63
Expenditures.
Cash paid for losses,
as profits on terminated policies,
for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for incidentals, ....
Gross cash expenditures, ....
$35,740 40
60,201 48
17,857 55
6,515 00
1,124 51
4,169 03
1125,607 97
Risks and Premiums.
Amount. Cash Prem's. Conting't Prem's.
Risks outstanding Dec. 31, 1894, $29,175,873 00 $453,103 20 f 453,103 20
Risks written during 1895, . 7,708,728 00 120,274 84 120,274 84
Total, $36,884,60100 $573,378 04 $573,378 04
Risks terminated during 1895, . 7,099,793 00 107,719 70 107,719 70
In force at end of year, . . f 29,784,808 00 $465,658 34 $ 465,658 34
Miscellaneous.
Losses incurred during the year, $37,843 00
Percentage of profits or surplus returned during 1895, 25, 50, 70 per cent.
MIDDLESEX MUTUAL FIRE INSURANCE COMPANY, CONCORD.
[Incorporated March 3, 1826. Commenced business March 29, 1826 ]
GEORGE HEY WOOD, President. RICHARD F. BARRETT, Secretary.
[Note. — At the annual meeting of the company held Jan. 13, 1896, Richard F. Barrett was
elected president and William Barrett secretary.]
Amount of permanent fund,
$327,532 84
Detailed Statement of Stocks,
33 shares Blackstone National Bank, Boston,
15
26
53
25
54
30
113
20
44
10
30
18
Merchants' National Bank, Boston,
Webster National Bank, Boston,
Boston National Bank, Boston,
Eliot National Bank, Boston,
Howard National Bank, Boston,
Revere National Bank, Boston,
Shawmut National Bank, Boston,
Faneuil Hall Natl Bank, Boston,
No. American Natl Bank, Boston,
Central National Bank, Boston,
Hancock National Bank, Boston,
State National Bank, Boston,
Bonds, etc.
Par Value.
$3,300 00
1,500 00
2,600 00
5,300 00
2,500 00
5,400 00
3,000 00
11,300 00
2,000 00
4,400 00
1,000 00
3,000 00
1,800 00
Market Value.
$3,300 00
2,295 00
2,678 00
5,300 00
3,300 00
4,995 00
2,700 00
12,147 50
2,680 00
4,444 00
1,280 00
3,000 00
1,980 00
64
MIDDLESEX MUTUAL FIRE INSURANCE CO.
5
30
it
«
33
u
57
u
88- 5 - 2 -"
oo 10
100
u
50
((
216
It
253
11
120
((
50
tc
10 shares Market National Bank, Boston,
Suffolk National Bank, Boston,
Commercial Nat'l Bank, Boston,
Concord National Bank, Concord,
Boston & Albany Railroad, .
Cleveland & Canton Railroad,
Fitchburg Railroad,
Philadelphia, Wil. & Bait. R.R., ,
Chicago, Burl. & Quincy Railroad,
Atchison, Topeka & Santa F6 R.R .
Pullman Palace Car Co.,
Massachusetts Real Estate Co.,
Eastern Railroad bonds, ....
Burlington & Missouri Railroad bonds, .
Chicago, Burlington & Quincy R R. bonds,
Portland & Ogdensburg R.R. bonds,
Akron & Chicago June. Railroad bonds,
Chicago, Burlington & Northern R.R. bonds,
Atchison, Topeko & Santa Fe Railroad bonds,
Fitchburg Railroad bonds,
Cincinnati, Ham. & Dayton Railroad bonds,
Concord & Montreal Railroad bonds,
Conn. & Passumpsic Rivers R.R. bonds,
Cleveland, L. & Wheeling R.R. bonds, .
Old Colony R.R. bonds, ....
Boston & Lowell R.R. bonds, .
East Middlesex Street Railway bonds, .
Globe Street Railway bonds, .
Illinois Steel Company bonds,
United States bonds,
Bath city bonds,
Toledo city bonds, .
Cambridge city bonds,
Omaha city bonds, .
Concord water bonds,
Par Value.
|1,000 00
500 00
3,000 00
3,300 00
5,700 00
8,852 00
10,000 00
2,500 00
21,600 00
25,300 00
12,000 00
5,000 00
6,000 00
7,000 00
14,000 00
20,000 00
10,000 00
2,000 00
6,000 00
20,000 00
10,000 00
25,000 00
15,000 00
10,000 00
1,000 00
15,000 00
10,000 00
10,000 00
10,000 00
10,000 00
3,000 00
10,000 00
20,000 00
5,000 00
4,500 00
Market Value.
$790 00
535 00
2,460 00
5,115 00
11,770 50
154 91
9,125 00
3,237 50
16,740 00
3,898 50
18,720 00
3,750 00
7,080 00
6,877 50
14,550 00
21,400 00
10,400 00
2,060 00
3,555 00
21,200 00
10,500 00
25,500 00
15,900 00
10,600 00
1,050 00
15,787 50
10,400 00
10,250 00
9,600 00
11,100 00
3,270 00
10,650 00
21,350 00
5,237 50
5,350 00
$389,352 00 $380,063 41
Securities held as collateral for cash loans : —
10 shares Ashland Water Co., .
8 " American Powder Mills, .
9 " Chicago & West Michigan R.R
8 " New England Tel. & Tel. Co.,
71 " Illinois Steel Co.,
58 " Pemberton Mills,
60 " Chicago, R. I. & P. Railroad,
7 " American Bell Telephone Co.,
Market Value. Loaned Thereon.
$1,800 00
8,500 00
2,000 00
1,000 00
1,200 00
139 50 >|
712 00 I
4,508 50 i
7,250 00 J
4,537 75
1,428 00
,725 75 $13,300 00
MIDDLESEX MUTUAL EIRE INSURANCE CO.
65
Summary of Assets Dec. 31, 1895.
Cash value of unencumbered real estate,
Loans on mortgage of real estate (first liens*)
Interest due or accrued thereon,
Stocks, bonds, etc., as per schedule, .
Loans on collateral security, as per schedule,
All other cash loans,
Cash in the office of the company, .
Cash deposited in bank, ....
Interest due and accrued, ....
Premiums in course of collection (gross),
Rents due and accrued, ....
Gross assets,
$31,700 00
95,175 00
4,738 93
380,063 41
13,300 00
30,000 00
8,807 74
5,067 40
4,498 01
19,156 23
550 00
$593,056 72
Liabilities.
Losses claimed and reported, .
Unearned premiums on outstanding risks,
Surplus due on terminated policies,
Commissions and brokerage, .
Gross liabilities,
Net cash assets,
14
300,900 31
5,825 10
2,715 12
310,388 67
$282,668 05
Income.
Premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed,
Total,
Premiums now in course of collection,
Entire premiums collected, .... $142,370 44
Less reinsurance and return premiums, . . 1,270 70
Net cash premiums received, .
Received for extra premiums, .
Interest received on mortgages,
Interest and dividends received from all other sources,
Income from rents, ....
Other sources,
Gross cash income,
t,741 38
146,785 29
$161,526 67
19,156 23
$141,099 74
1,854 08
3,508 94
18,485 52
520 00
34 38
$165,502 66
Expenditures .
Cash paid for losses, .
as profits on terminated policies, .
for commissions and brokerage,
,736 37
68,554 38
21,038 26
* Value of lands mortgaged,
Value of buildings thereon, .
Amount of insurance held as collateral,
$84,900 00
149,800 00
102,000 00
66 MILFOKD MUTUAL FIRE INSURANCE CO.
Cash paid for salaries of officers and employees, . . . $9,332 38
for State and local taxes, 2,012 10
for incidentals, . . 4,343 64
Gross cash expenditures, $158,017 13
Risks and Premiums.
Amount. Cash Prem's. Conting't Prem's..
Risks outstanding Dec. 31, 1894, $36,736,799 00 $548,448 04 $548,448 04
Risks written during 1895, . 9,953,140 00 146,785 29 146,785 29
Total, $46,689,939 00 $695,233 33 $695,233 3a
Risks terminated during 1895, . 7,498,275 00 111,127 82 111,127 82
In force at end of year, . .$39,191,664 00 $584,105 51 $584,105 51
Deduct amount reinsured, . 27,350 00 356 93 356 93
Net amount in force, . $39,164,314 00 $583,748 58 $583,748 58
Miscellaneous.
Losses incurred during the year, $52,651 00
Percentage of profits or surplus returned during 1895, 25, 50, 70 per cent.
MILFORD MUTUAL FIRE INSURANCE COMPANY, MILFORD.
[Incorporated Dec. 3, 1851. Commenced business January, 1852.]
GEORGE L. COOKE, President. ABBOTT A. JENKINS, Secretary.
Amount of permanent fund, ....... $7,562 74
Detailed Statement of Stocks, Bonds, etc.
Par Value. Market Value.
Fitchburg Railroad bonds, .... $4,000 00 $4,320 00
Milford Water Company bonds, . . . 1,500 00 1,560 00
9 shares Hide and Leather National Bank, . 900 00 949 50
Corporation notes, 5,000 00 5,000 00
$11,400 00 $11,829 50-
Summary of Assets Dec. 31, 1895.
Stocks, bonds, etc., as per schedule, . . . $11,829 50
Cash in the office of the company, . . . 306 22
Cash deposited in bank, 18,750 00
Premiums in course of collection (gross), . 14,917 94
Interest due and accrued. 907 35
Premiums more than three mos. due, $227 62
Unpaid assessments on deposit notes, 2,008 58
Gross assets, $46,711 01
MILFORD MUTUAL FIRE INSURANCE CO.
67
Liabilities.
Losses adjusted, unpaid, ....
claimed and reported, .
disputed or resisted,
Unearned premiums on outstanding risks,
Return premiums on cancelled policies, .
Commissions and brokerage, .
Reinsurance premium due other companies,
Reinsurance disallowed, ....
Gross liabilities, ....
$2,277 42
4,000 00
142 85
19,944 23
3,723 63
3,756 76
425 82
66 34
$34,337 05
Net cash assets, $ 12,373 96
Income.
Premiums outstanding Dec. 31, 1894,
Same not collected, ....
Net collected, ....
Premiums on risks written or renewed,
Total, . . . . .
Premiums now in course of collection,
Entire premiums collected,
Less reinsurance and return premiums,
Net cash premiums received, .
Received for extra premiums, .
Interest and dividends received from all
Received from assessments,
Gross cash income,
1,263 16
96 54
$8,166 62
49,519 97
$57,686 59
15,145 56
,541 03
11,180 37
sources,
$31,360 66
135 49
518 10
11 82
$32,026 07
Expenditures.
Cash paid for losses,
Deduct salvage and reinsurance,
Net cash paid for losses,
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes, .
for rents,
for incidentals,
Profit and loss,
$19,014 73
320 69
$18,694 04
4,444 45
3,910 43
426 03
132 00
334 84
43 89
Gross cash expenditures,
$27,985 68
68
MUTUAL FIRE ASSURANCE CO.
Risks outstanding Dec. 31, 1894,
Risks written during 1895,
Total,
Risks terminated during 1895, .
In force at end of year,
Deduct amount reinsured,
Net amount in force, .
Risks and Premiums.
Amount. Cash Prem's. Conting't Prem's.
$48,102 66
49,519 97
13,468,413 00
3,460,054 00
^6,928,467 00
3,935,951 00
,102 66
49,519 97
$97,622 63
54,443 69
£97,622 63
54,443 69
>,992,516 00
43,437 00
$43,178 94
535 01
$2,949,079 00 $42,643 93
Miscellaneous.
Losses incurred during the year,
$43,178 94
535 01
$42,643 93
$21,878 00
MUTUAL FIRE ASSURANCE COMPANY, SPRINGFIELD.
[Incorporated Feb. 23, 1827. Commenced business July 26, 1827.]
GEO. B. HOLBROOK, President. FRANK R. YOUNG, Secretary.
Amount of permanent fund, ....
Detailed Statement of Stocks,
Vermont Valley Railroad bonds,
Chicago, Burlington & Northern R.R. bonds,
Western Union Telegraph bonds, .
Chesapeake & Ohio Railroad bonds,
Ohio Southern Railroad bonds,
Atchison, Topeka & Santa Fe R.R. bonds,
Chicago, Burlington & Quincy Railroad bonds,
Philadelphia, Wilmington & Bait. R.R. bonds,
Holyoke Electric Street R.R. bonds,
Boston & Albany R.R. bonds, .
75 shares Second National Bank, Springfield
61 '
25
25
25
10
10
50
20
50
100
150
55
40
Chicopee Nat'l Bank, Springfield,
John Hancock Natl Bank, Spr'ld,
First National Bank, Springfield,
Chapin National Bank, Springfield
Monson National Bank, Monson,
First National Bank, Chicopee,
Hadley Falls Nat'l Bank, Holyoke,
Springfield Nat'l Bank, Springld,
Commerce Nat'l Bank, Boston,
Boston & Albany R.R., .
N. Y. Central & Hudson River R.R.
Chicago, Burl. & Quincy R.R.,
Lake Shore & Mich. R.R.,
Bonds, etc.
Par Value.
$4,000 00
500 00
7,000 00
4,000 00
3,000 00
5,000 00
500 00
4,000 00
6,000 00
10,000 00
7,500 00
6,100 00
2,500 00
2,500 00
2,500 00
1,000 00
1,000 00
5,000 00
2,000 00
5,000 00
10,000 00
15,000 00
5,500 00
4,000 00
$117,216 93
Market Value.
$4,400 00
520 00
7,420 00
4,360 00
2,790 00
5,000 00
520 00
4,000 00
6,300 00
10,600 00
10,125 00
9,455 00
3,125 00
2,525 00
3,625 00
1,500 00
1,500 00
7,500 00
2,800 00
5,600 00
20,800 00
14,550 00
4,180 00
5,800 00;
f 113,600 00 $138,995 00
MUTUAL FIRE ASSURANCE CO.
69
Summary of Assets Dec. 31, 1895.
Loans on mortgage of real estate (first liens*),
Interest due or accrued thereon,
Stocks, bonds, etc., as per schedule,
Cash in the office of the company,
Cash deposited in bank, .
Interest due and accrued, .
Premiums more than three mos. due, $328 40
Gross assets,
$19,950 00
233 82
138,995 00
693 40
7,873 20
459 57
$168,204 99
Liabilities.
Unearned premiums on outstanding risks,
Surplus due on terminated policies,
Gross liabilities, . . .
$40,326 09
138 82
40,464 91
Net cash assets, $127,740 08
Income.
Cash premiums received,
Received for extra premiums,
Interest received on mortgages, ....
Interest and dividends received from all other sources,
Gross cash income,
,174 75
121 00
1,273 68
5,741 39
$24,310 82
Expenditures.
Cash paid for losses, ....
as profits on terminated policies,
for salaries of officers and employees,
for State and local taxes,
for rents,
for incidentals, ....
Gross cash expenditures, .
$636 77
12,496 76
3,500 00
p 164 41
' 500 00
269 90
$17,567 84
Risks and Premiums.
Amount.
Risks outstanding Dec. 31, 1894, $4,820,923 00
Risks written during 1895, . 1,096,075 00
Total,
Risks terminated during 1895, .
In force at end of year,
>,916,998 00
932,950 00
Cash Prem's. Conting't Prem's.
$74,610 84 $74,610 84
17,174 75 17,174 75
191,785 59
12,971 47
. $4,984,048 00 $78,814 12
'.91,785 59
12,971 47
,814 12
Miscellaneous.
Losses incurred during the year, $637 00
Percentage of profits or surplus returned during 1895, 90 per cent.
* Value of lands mortgaged $12,100 00
Value of buildings thereon 19,400 00
Amount of insurance held as collateral, .... 19,600 00
70
MUTUAL PROTECTION FIRE INSURANCE CO.
MUTUAL PROTECTION FIRE INSURANCE COMPANY, BOSTON.
[Incorporated April 10, 1861. Commenced business July 15, 1864.]
AMOS STONE, President. GEO. H. PENDERGAST, Secretary.
Office, Thompson Square, Charlestown.
Amount of permanent fund Dec. 31, 1894, .... $52,639 30
Detailed Statement of Stocks,
10 shares Monument National Bank,
20 " National Bank of the Republic,
31 " Charlestown Gas and Electric Co.,
10 " Somerville Electric Light Co.,
50 " Atch., Top. & Santa Fe R.R., .
Northern Pacific Railroad bonds,
Bonds, etc.
Par Value.
$1,000 00
2,000 00
1,550 00
1,000 00
5,000 00
2,000 00
Market Value.
$2,350 00
3,040 00
2,015 00
1,000 00
700 00
2,280 00
Summary of Assets Dec.
Cash value of unencumbered real estate,
Loans on mortgage of real estate (first liens),
Interest due or accrued thereon,
Stocks, bonds, etc., as per schedule,
Cash in the office of the company, .
Cash deposited in bank,
Premiums in course of collection (gross) ,
Rents due and accrued,
Premiums more than three mos. due, $304 51
Gross assets,
Liabilities.
Unearned premiums on outstanding risks,
Surplus due on terminated policies, .
Gross liabilities,
Net cash assets, $ 58,896 03
$12,550 00
$11,385 00
31, 1895.
$14,900 00
30,600 00
1,629 08
11,385 00
1,043 08
12,966 85
424 62
428 80
$73,377 43
$14,253 75
227 65
14,481 40
Income.
Premiums outstanding Dec. 31, 1894,
Same not collected, ....
t
Net collected, ....
Premiums on risks written or renewed,
Total,
Premiums now in course of collection,
Entire premiums collected,
Less reinsurance and return premiums,
Net cash premiums received, .
$988 83
109 95
$878 88
10,225 66
$11,104 54
729 13
$10,375 41
194 19
,181 22
NEWBURYPORT MUTUAL FIRE INSURANCE CO.
71
Received for extra premiums,
Interest received on mortgages, ....
Interest and dividends received from all other sources,
Income from rents,
Gross cash income,
Expenditures.
Cash paid for losses,
as profits on terminated policies,
for commissions and brokerage,
for State and local taxes, .
for rent,
for repairs on real estate,
Gross cash expenditures, .
$46
93
1,275
00
892
63
574 50
$12,970 28
$1,261
27
2,243
86
1,924
31
449
96
500 00
1,116
52
$7,495 92
Risks and Premiums.
Amount.
Risks outstanding Dec. 31, 1894, $1,405,733 00
Risks written during 1895, . 656,592 00
Total,
Risks terminated during 1895, .
In force at end of year,
!,062,325 00
294,560 00
Cash Prem's. Conting't Prein's.
$17,927 08 $17,927 08
10,225 66 10,225 66
:,767,765 00 $24,442 15
,152 74 $28,152 74
3,710 59 3,710 59
,442 15
Miscellaneous.
Losses incurred during the year, $1,261 00
Percentage of profits or surplus returned during 1895, 20, 40 and 70 per cent.
NEWBURYPORT MUTUAL FIRE INSURANCE COMPANY,
NEWBURYPORT.
[Incorporated February, 1829. Commenced business May 1, 1829.]
AMOS NO YES, President. LAWRENCE W. BROWN, Secretary,
Amount of permanent fund, $27,021 89
Detailed Statement op Stocks, Bonds, etc.
100 shares Mer. Nat'l Bank, Newburyport,
9 " Mech. Nat'l Bank, Newburyport,
31 " Ocean Nat 1 l Bank, Newburyport,
15 " Washington Nat'l Bank, Boston,
10 " Hide & Lea. Nat'l Bank, Boston,
10 " Market Nat'l Bank, Boston, .
Par Value.
$2,000 00
900 00
1,550 00
1,500 00
1,000 00
1,000 00
Market Value.
$2,600 00
1,215 00
1,550 00
1,605 00
1,060 00
800 00
72
NEWBURYPORT MUTUAL FIRE INSURANCE CO.
10 shares Shoe & Lea. Nat'l Bank, Boston,
10 " Hancock Nat'l Bank, Boston, .
5 " Chic. June. & Stock Yard R.R.,
14 " Chic, Burlington & Quincy R.R.,
20 " Boston & Maine R.R.,
General Electric bonds, .
U. S. Rubber preferred bonds,
Westinghouse preferred bonds,
Rutland Railroad bonds, .
Chic, Burl. & Northern Railroad bonds, .
Atch., Topeka & Santa Fe R.R. bonds,
Consolidated Railroad of Vermont bonds,
Fall River city bonds, ....
Par Value.
$1,000 00
1,000 00
500 00
1,400 00
2,000 00
500 00
1,000 00
500 00
1,500 00
2,000 00
4^000 00
2,000 00
1,000 00
Market Value.
$900 00
900 00
510 00
1,078 00
3,400 00
300 00
360 00
530 00
1,590 00
2,060 00
720 00
1,740 00
1,000 00
$26,350 00 $23,918 00
Loans on mortgage of real estate (fir
Interest due or accrued thereon,
Stocks, bonds, etc, as per schedule,
Loans on personal security,
Cash deposited in banks, .
Rents due and accrued,
Gross assets,
Summary of Assets Dec. 31, 1895.
st liens*),
$700 00
19 00
23,918 00
250 00
3,303 61
25 00
,215 61
Liabilities.
Unearned premiums on outstanding risks,
Gross liabilities,
$4,480 48
4,480 48
Net cash assets, . $23,754 IS
Income.
Premiums on risks written or renewed, .
Less reinsurance and return premiums, .
Net cash premiums received, ....
Received for extra premiums, . . .
Interest received on mortgages, ....
Interest and dividends received from all other sources,
Income from policy fees,
,518 85
40 41
Gross cash income,
$1,478 44
34 25
38 50
1,234 35
72 55
$2,858 09
Expenditures.
Cash paid for losses,
as profits on terminated policies,
$30 25
1,176 31
* Value of lands mortgaged, .
Value of buildings thereon,
Amount of insurance held as collateral,
$900 00
1,400 00
600 00
$500 00
1
70
239
10
NEW ENGLAND MUTUAL FIRE INSURANCE CO. 73
Cash paid for salaries of officers and employees,
for State and local taxes, .
for rent and incidentals, . .
Gross cash expenditures, $1,947 36
Risks and Premiums.
Amount. Cash Prem's. Conting't Prem's.
Risks outstanding Dec. 31, 1894, 8696,835 00 $8,783 45 $35,133 80
Risks written during 1895, . 116,060 00 1,518 85 6,075 40
Total, . . . . . . $812,895 00 $10,302 30 $41,209 20
Risks terminated during 1895, . 93,760 00 1,216 72 4,866 88
In force at end of year, . . $719,135 00 $9,085 58 $36,342 32
Miscellaneous.
Losses incurred during the year, ...... $30 00
Percentage of profits or surplus returned during 1895, 100 per cent.
NEW ENGLAND MUTUAL FIRE INSURANCE COMPANY, BOSTON*
[Incorporated Jan. 20, 1894. Commenced business March 1, 1894.]
JOHN J. WHIPPLE, President. RANSOM D. PRATT, Secretary.
Office, 36 Central Street.
Summary of Assets Dec. 31, 1895.
Loan on personal security, .... $625 52
Cash in the office of the company, . . . 518 41
Cash deposited in bank, etc., .... 29,444 80
Interest due and accrued, 201 41
Premiums in course of collection (gross), . 4,105 82
Rents due and accrued, 66 66
Attached broker's account, . . $61 97
Premiums more than three mos. due, 33 04
Gross assets, $34,962 62
Liabilities.
Losses adjusted, unpaid, $171 21
claimed and reported, .... 8,300 00
disputed or resisted, .... 1,675 00
Total amount of losses, $10,146 21
74
NEW ENGLAND MUTUAL FIRE INSURANCE CO.
Unearned premiums on outstanding risks, . $19,606 15
Due and accrued for expenses, . . . 17 62
Commissions and brokerage, . . . . 1,026 45
Gross liabilities,
Net cash assets,
,796 43
t,166 19
Income.
Premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed,
Total, ......
Premiums now in course of collection,
Entire premiums collected,
Less reinsurance and return premiums,
Net cash premiums received, .
Received for extra premiums, .
Interest and dividends received from all
Income from rents, . .
Income from all other sources,
Gross cash income, . .
$17,997 78
71,961 55
,959 33
4,138 86
sources,
,820 47
28,817 76
$57,002 71
420 67
404 79
337 30
268 48
$58,433 95
Expenditures.
Cash paid for losses,
for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for rents,
for incidental expenses, .
Gross cash expenditures, .
$21,866 04
14,435 95
2,828 27
147 49
809 76
2,352 83
$42,440 34
Risks and Premiums.
Amount. Cash Prem's. Conting't Prem's.
Risks outstanding Dec. 31, 1894, $4,285,116 00 $53,436 99 $160,310 97
Risks written during 1895, . 4,436,102 00 71,961 55 215,884 65
Total, .... $8,721,218 00 $125,398 54 $376,195 62
Risks terminated during 1895, . 6,631,685 00 86,476 45 259,429 35
In force at end of year, .
!,089,533 00 $38,922 09 $116,766 27
Miscellaneous.
Losses incurred during the year,
11,839 00
NORFOLK MUTUAL FIRE INSURANCE CO.
75
NORFOLK MUTUAL FIRE INSURANCE COMPANY, DEDHAM.
[Incorporated Feb. 12, 1825. Commenced business July 1, 1825.]
J. WHITE BELCHER, President. ELIJAH HOWE, Jr., Secretary.
Permanent fund Dec. 31, 1895, $334,201 14
Detailed Statement of Stocks, Bonds, etc.
Old Colony R.R. stock,
Boston & Lowell R.R. stock,
Boston & Albany R R. stock, .
Boston & Providence R.R. stock,
Chicago, Burl. & Quincy R.R. stock,
Atch., Topeka & Santa Fe R.R. stock,
Dedham Water Co. stock,
Salem city water bonds, .
Randolph town notes,
Cincinnati city bonds,
Boston city bonds,
Boston & Maine Railroad bonds,
Washington County (111.) bonds,
Boston & Providence Railroad bonds,
Boston & Lowell Railroad bonds,
Maine Central Railroad bonds,
Oregon Short Line Railroad bonds, .
Kan. City, St. J. & Council Bluffs R.R. bonds,
Concord & Montreal R.R. bonds,
Atch., Topeka & Santa Fe R.R. bonds,
Northern Pacific Railroad bonds,
Philadelphia & Reading R.R. bonds,
Old Colony R.R. bonds, . .
Union Pacific Railway bonds, .
Fremont, Elkhorn & Mo. Valley R.R. bonds,
Fitchburg Railroad bonds,
Grand Avenue R'y, Kansas City, bonds, .,
Consolidated Street Railway Co. bonds, .
Minneapolis Gas Light Co. bonds, .
Conn. & Passumpsic Rivers R.R. bonds, .
N. H. Trust Company bonds, .
Western Security Company bonds, .
N. E. Mortgage Security Co. bonds,
Lombard Investment Co. bonds,
Portland & Rumford Falls R.R. bonds,
Boston & Maine R R. bonds, .
Par Value.
$10,000 00
7,500 00
12,500 00
2,000 00
10,000 00
10,000 00
5,000 00
5,000 00
9,300 00
25,000 00
10,000 00
10,000 00
5,000 00
20,000 00
20,000 00
15,000 00
10,000 00
9,000 00
10,000 00
48,000 00
3,000 00
8,000 00
22,000 00
25,000 00
5,000 00
20,000 00
5,000 00
5,000 00
5,000 00
5,000 00
10,000 00
5,000 00
23,000 00
3,600 00
8,000 00
6,000 00
Market Value.
$17,800 00
15,225 00
25,750 00
5,260 00
7,700 00
1,400 00
5,000 00
5,100 00
9,300 00
29,500 00
11,000 00
10,300 00
5,000 00
20,800 00
20,500 00
15,750 00
10,300 00
10,800 00
10,300 00
25,560 00
3,420 00
10,160 00
22,740 00
23,020 00
6,300 00
20,000 00
4,800 00
5,250 00
5,000 00
5,100 00
7,000 00
3,000 00
20,700 00
2,350 00
8,400 00
6,975 00
$411,900 00 $416,560 00
76
NORFOLK MUTUAL FIRE INSURANCE CO.
Summary of Assets Dec. 31, 1895.
Cash value of unencumbered real estate, .
Loans on mortgage of real estate (first liens),
Interest due or accrued thereon,
Stocks, bonds, etc., as per schedule,
Cash in office and bank, ....
Interest due and accrued, ....
Premiums in course of collection (gross),
Rents due and accrued, ....
Premiums more than three months due, $50 00
Gross assets,
$12,000 00
49,248 12
726 62
416,560 00
6,968 65
4,508 33
6,574 99
362 50
$496,949 21
Liabilities.
Unearned premiums on outstanding risks,
Return premiums on cancelled policies
Surplus due on terminated policies,
Commissions and brokerage, .
Gross liabilities,
Net cash assets,
$152,588 53
333 99
4,602 43
986 24
158,511 19
|338,438 02
Income.
Premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed, .
Total, . . . .
Premiums now in course of collection, .
Entire premiums collected,
Less reinsurance and return premiums, .
Net cash premiums received, .
Interest received on mortgages,
Interest and dividends received from all other
Income from rents, .
Gross cash income,
$5,413 79
65,721 53
$71,135 32
6,624 99
$64,510 33
985 81
sources,
$63,524 52
2,535 36
18,939 13
829 17
$85,828 18
Expenditures.
Net cash paid for losses,
Cash paid as profits on terminated policies, .
for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for incidentals, ....
for expenses on real estate,
Gross cash expenditures, ....
$22,674 09
32,419 98
9,392 57
6,421 36
953 99
2,348 31
1,170 23
$75,380 53
OLD COLONY MUTUAL FIRE INSURANCE CO.
77
Risks and Premiums.
Amount. Cash Prem's. ContlnR't Prem'8.
Risks outstanding Dec. 31, 1894, $19,798,931 00 $287,840 76 $287,840 76
Risks written during 1895, . 4,408,464 00 65,721 53 65,721 53
Total,
Risks terminated during 1895, . 3,569,024 00
In force at end of year, .
.$24,207,395 00 $353,562 29 $353,562 29
53,735 05 53,735 05
$20,638,371 00 $299,827 24 $299,827 24
Miscellaneous.
Losses incurred during the year, $20,856 00
Percentage of profits or surplus returned during 1895, 33}, 50, 70 per cent.
OLD COLONY MUTUAL INSURANCE COMPANY, BOSTON.
[Incorporated March 13, 1894. Commenced business April 10, 1894.]
WILLIAM E. RUSSELL, President. RAYMOND HAYES, Secretary.
Office, 108 Water Street.
Summary of Assets Dec. 31, 1895.
Cash in the office of the company, .
Cash deposited in bank, ....
Premiums in course of collection (gross),
Bills receivable,
Gross assets,
$2,909 05
20,677 19
24,579 30
319 63
,485 17
Liabilities.
Losses adjusted, unpaid, .
claimed and reported, .
disputed or resisted,
Total amount of losses, .
Less reinsurance, ....
Net amount of unpaid losses, .
Unearned premiums on outstanding risks
Return premiums on cancelled policies,
Due and accrued for rent, salaries, etc.,
Commissions and brokerage, .
Reinsurance,
Gross liabilities, ....
Net cash assets, ....
$6,382 21
7,400 00
500 00
.14,282 21
5,100 00
$9,182 21
28,930 43
295 49
450 00
3,344 40
1,835 46
44,037 99
$4,447 18
78
OLD COLONY MUTUAL FIRE INSURANCE CO.
Income.
Premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed,
Total,
Premiums now in course of collection,
Entire premiums collected,
Less reinsurance and return premiums,
Net cash premiums received, .
Return premiums on cancelled reins, policies, .
Interest and dividends received from all sources,
Organization expenses, .....
,655 84
97,269 48
$122,925 32
24,579 30
,346 02
44,256 46
Gross cash income,
$54,089 56
5,585 98
353 32
1,500 00
$61,528 86
Expenditures.
Cash paid for losses,
Deduct salvage and reinsurance,
Net cash paid for losses, .
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for incidentals, ....
Gross cash expenditures, ....
|33,592 99
3,265 54
$30,327 45
8,785 40
5,328 64
1,330 66
7,978 52
$53,750 67
Risks and Premiums.
Amount. Cash Prem's. Conting't Prem's»
Risks outstanding Dec. 31,1894, $4,895,039 00 $71,84185 $215,52555
Risks written during 1895, . 6,947,370 00 97,269 48 291,808 44
Total,. . . . .$11,842,409 00 $169,111 33 $507,333 99
Risks terminated during 1895, . 7,244,917 00 101,157 12 303,471 36
In force at end of year, . . $4,597,492 00 $67,954 21 $203,862 63
Deduct amount reinsured, . 522,901 00 10,093 36 30,280 08
Net amount in force,
t,074,591 00 $57,860 85 $173,582 55
Miscellaneous.
Losses incurred during the year,
$43,328 00
PAPER MILL MUTUAL FIRE INSURANCE CO.
79
PAPER MILL MUTUAL INSURANCE COMPANY, BOSTON.
[Incorporated November, 1886. Commenced business April 1, 1887.]
R. W. TOPPAN, President.
D. W. LANE, Secretary.
Office, 31 Milk Street.
Detailed Statement of Stocks,
Portland & Ogdensburg R.R. bonds,
Fitchburg Railroad bonds, ....
Cincinnati, Sandusky & Cleveland R.R. bonds,
Maine Central R.R. bonds,
Pennsylvania R R. bonds, .
Newton water bonds,
Boston & Albany R.R. bonds,
Boston & Maine R R. bonds,
Bonds, etc.
Par Value.
$5,000 00
5,000 00
5,000 00
10,000 00
5,000 00
5,000 00
10,000 00
5,000 00
Market Value.
$5,150 00
5,150 00
5,350 00
10,800 00
5,750 00
5,350 00
10,600 00
5,750 00
$50,000 00 $53,900 00
Summary of Assets Dec
Stocks, bonds, etc., as per schedule, .
Cash in the office of the company, .
Cash deposited in bank,
Interest due and accrued, ....
Premiums in course of collection (gross),
Gross assets,
31, 1895.
$53,900 00
106 78
1,739 47
637 50
331 28
$56,715 03
Liabilities.
Losses claimed and reported, .
Unearned premiums on outstanding risks,
State and local taxes, ....
Gross liabilities,
Net cash assets, .....
$580 00
26,755 48
95 m
27,431 14
$29,283 89
Income.
Premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed, .
Total,
Premiums now in course of collection, .
Entire premiums collected, .
Less reinsurance and return premiums, .
Net cash premiums received, .
Interest and dividends received from all sources,
$460 31
56,619 26
$57,079 57
331 28
$56,748 29
2,658 82
|54,089 47
2,146 72
Gross cash income, . $56,236 19
80
QUINCY MUTUAL FIRE INSURANCE CO.
Expenditures.
Cash paid for losses,
as profits on terminated policies,
for salaries of officers and employees,
for State and local taxes,
for rents, . . . . . .
for incidentals, . .
Gross cash expenditures, ....
$14,042 52
41,260 40
3,224 99
549 78
240 00
1,328 27
,645 96
Risks and Premiums.
Amount. Cash Prem's. Conting't Prem's.
Risks outstanding Dec. 31, 1894, $5,547,461 00 $53,729 92 $268,649 60
Risks written during 1895, . 5,947,229 00 56,619 26 283,096 30
Total,. . . . .$11,494,690 00 $110,349 18 $551,745 90
Risks terminated during 1895, . 5,913,449 00 56,838 22 284,191 10
In force at end of year,
>,581,241 00
,510 96 $267,554 80
Miscellaneous.
Losses incurred during the year, $14,622 00
Percentage of profits or surplus returned during 1895, 76 -^fo per cent.
QUINCY MUTUAL FIRE INSURANCE COMPANY, QUINCY.
[Incorporated March 22, 1851. Commenced business May, 1851.]
CHARLES A. ROWLAND, President. WM. H. FAY, Secretary.
Amount of permanent fund, . $350,000 00
Detailed Statement of Stocks, Bonds, etc.
88 shares Rockland National Bank, Boston,
200
370
70
50
40
35
m
37
50
46
75
25
Manufacturers' Nat'l Bank, Boston,
Third National Bank, Boston,
Second National Bank, Boston,
First National Bank, Boston, .
Merchants' National Bank, Boston,
State National Bank, Boston, .
Washington National Bank, Boston,
Revere National Bank, Boston,
Hamilton National Bank, Boston, .
Continental National Bank, Boston,
Redemption National Bank, Boston,
Market National Bank, Boston,
Par Value.
$8,800 00
20,000 00
37,000 00
7,000 00
5,000 00
4,000 00
3,500 00
6,600 00
3,700 00
5,000 00
4,600 00
7,500 00
2,500 00
Market Value.
$12,408 00
20,000 00
32,930 00
12,670 00
12,000 00
6,120 00
3,850 00
7,062 00
3,330 00
5,400 00
4,830 00
9,000 00
2,325 00
QUINCY MUTUAL FIRE INSURANCE CO.
81
100 shares North National Bank, Boston,
244 " Mt. Wollaston Natl Bank, Quincy,
44 " Granite National Bank, Quincy,
50 " Wachusett Nat'l Bank, Fitchburg,
64 " Hingham Nat'l Bank, Hingham,
48 ". First Nat'l Bank, Weymouth,
38 " Union Nat'l Bank, Weymouth,
10 " Quinsigamond N'l B'k, Worcester,
50 " Brockton National Bank, Brockton,
29 " Plymouth National B'k, Plymouth,
25 " First National Bank, West Newton,
200 " Chicago, Burl. & Quincy R.R.,
300 " Boston & Lowell Railroad, .
11 " Old Colony Railroad,
107 " Hingham Cordage Co , .
178 " Lawrence Duck Co.,
50 " State St. Safe Deposit & Trust Co
East Middlesex Street R.R. bonds, .
Chicago, Burlington & Quincy R R. bonds,
Decatur Water Works Co. bonds, .
City of Quincy notes, ....
Securities held as collateral for cash loans
Eureka Silk Co.,
100 shares North Packing and Provision Co.,
41 " Nat'l Granite Bank, Quincy, .
200 " Indiana Manufacturing Co., .
15 " Minnehaha Trust Co.,
15 " Sioux Falls National Bank, .
50 " Fitchburg R.R. Co.,
50 " National Lead Co., .
50 " Central Investment Association,
Union Pacific Railway Co. bonds,
United Gas Co. bonds, ....
Chicago & No. Michigan R'y bonds,
Northern Pacific R R. bonds, .
33 shares Delaware & Hudson Canal Co.,
Iowa Central R.R. bonds, ....
Par Value.
$10,000 00
24,400 00
4,400 00
5,000 00
4,480 00
4,800 00
3,800 00
1,000 00
5,000 00
2,900 00
2,500 00
20,000 00
30,000 00
1,100 00
10,700 00
17,800 00
5,000 00
10,000 00
11,500 00
14,300 00
3,300 00
Market Value.
$10,700 00
31,720 00
6,160 00
10,000 00
4,480 00
5,280 00
3,990 00
1,100 00
6,250 00
3,045 00
2,500 00
15,400 00
60,000 00
1,947 00
10,000 00
17,800 00
5,000 00
10,000 00
13,200 00
5,000 00
3,300 00
$307,180 00 $358,797 00
Market Value.
$5,000 00
9,000 00
5,535 00
10,000 00
1,500 00
1,500 00
4,600 00
4,300 00
5,000 00
9,500 00
8,000 00 )>
650 CO
750 00
4,290 00
1,000 00 J
Loaned Thereon.
$11,500 00
4,800 00
2,200 00
2,500 00
32,500 00
$70,625 00 $53,500 00
Summary of Assets Dec. 31, 1895.
Cash value of unencumbered real estate, . $17,000 00
: Loans on mortgage of real estate (first liens*), 61,300 00
I Interest due or accrued thereon, . . . 1,293 53
* Value of lands mortgaged,
Value of buildings thereon,
Amount of insurance held as collateral,
$62,800 00
61,000 00
60,700 00
82
QUINCY MUTUAL FIRE INSURANCE CO.
Stocks, bonds, etc., as per schedule, .
Loans on collateral security, as per schedule,
All other cash loans, ....
Cash in the office of the company, .
Cash deposited in bank, ....
Interest due and accrued, ....
Premiums in course of collection (gross) ,
Rents due and accrued, ....
Gross assets,
$358,797 00
53,500 00
65,000 00
150 00
37,968 20
6,163 00
12,881 17
300 00
$614,352 90
Liabilities.
Losses claimed and reported, .
Unearned premiums on outstanding risks,
Surplus due on terminated policies,
Due and accrued for rent, salaries, etc., .
State and local taxes, ....
Gross liabilities, .....
$4,543 43
255,485 94
3,500 00
300 00
300 00
264,129 37
Net cash assets, $350,223 53
Income.
Premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed,
Total,
Premiums now in course of collection,
Entire premiums collected,
Less reinsurance and return premiums,
Net cash premiums received, .
Received for extra premiums, .
Interest received on mortgages,
Interest and dividends received from all other
Income from rents, ....
Gross cash income, .
$11,751 46
147,453 23
$159,204 69
12,881 17
$146,323 52
4,401 22
sources,
$141,922 30
1,888 89
3,308 69
20,050 36
914 60
$168,084 84
Expenditures.
Cash paid for losses,
as profits on terminated policies,
for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for incidentals, ....
Gross cash expenditures, ....
,682 24
72,360 57
22,606 79
11,821 75
2,789 18
7,033 91
$163,294 44
RUBBER MANUFACTURERS' MUTUAL INSURANCE CO. 'S3
Risks and Premiums.
Amount. Cash Prem's. Conting't I'rem's.
Risks outstanding Dec 31, 1894, $34,340,777 00 $509,409 62 $509,409 62
Risks written during 1895, . 9,574,457 00 147,453 23 147,453 23
Total, $43,915,234 00 $656,862 85 $656,862 85
Risks terminated during 1895, . 9,073,174 00 136,876 64 136,876 64
In force at end of year, . .$34,842,060 00 $519,986 21 $519,986 21
Deduct amount reinsured, . 5,500 00 58 45 58 45
Net amount in force, . .$34,836,560 00 $519,927 76' $519,927 76
„ Miscellaneous.
Losses incurred during the year, $48,657 00
Percentage of profits or surplus returned during 1895, 25, 50, 75 per cent.
RUBBER MANUFACTURERS 1 MUTUAL INSURANCE COMPANY,
BOSTON.
[Incorporated Nov. 4, 1884. Commenced business Jan. 15, 1885.]
E. S. CONVERSE, President. B. F. TAFT, Secretary.
Office, 31 Milk Street.
Detailed Statement of Stocks, Bonds, etc.
Par Value. Market Value.
Fitchburg Railroad bonds, .... $5,00000 $5,15000
Boston & Lowell Railroad bonds, . . . 10,000 00 10,100 00
Maine Central Railroad bonds, . . . 26,000 00 26,400 00
Ticonderoga Pulp & Paper Co. bonds, . . 5,000 00 5,000 00
New York & New England Railroad bonds, . 8,000 00 9,360 00
Metropolitan Railroad bonds, .... 1,000 00 1,020 00
Boston Consolidated Street Railroad bonds, . 12,000 00 12,480 00
Middlesex Railroad bonds 1,000 00 1,020 00
Cambridge Street Railroad bonds, . . . 1,000 00 1,030 00
Cheshire Railroad bonds, ' 4,000 00 4,160 00
Maiden Electric Company bonds, . . . 5,000 00 5,000 00
General Electric Company bonds, . . . 1,000 00 850 00
218 shares United States Rubber Company, . 21,800 00 18,748 00
General Electric Company stock, . . . 5,000 00 2,500 00
Lynn & Boston R.R. bonds, .... 1,000 00 1,000 00
East Middlesex St. R'y bonds, . 7,000 00 7,000 00
Bangor & Aroostook R R. bonds, . . . 10,000 00 10,100 00
Corporation notes, 76,040 76 76,040 76
$199,840 76 $196,958 76
84 RUBBER MANUFACTURERS' MUTUAL INSURANCE CO.
31, 1895.
$196,958 76
450 53
29,395 12
3,686 79
6,177 19
555 50
Summary of Assets Dec
Stocks, bonds, etc , as per schedule, .
Cash in the office of the company, .
Cash deposited in bank, ....
Interest due and accrued, ....
Premiums in course of collection (gross),
Rents due and accrued, ....
Gross assets,
Liabilities.
Losses claimed and reported, .... $1,806 00
Unearned premiums on outstanding risks, . 124,817 91
State and local taxes, 507 00
Gross liabilities,
Net cash assets, . .
Income.
Premiums outstanding Dec. 31, 1894, . . $3,663 14
Premiums on risks written or renewed, . . 248,613 03
Total, $252,276 17
Premiums now in course of collection, . . 6,177 19
Net cash premiums received, ....
Interest and dividends received from all sources, .
Gross cash income, ........
Expenditures.
Cash paid for losses,
as profits on terminated policies, .
for inspections, ....
for salaries of officers and employees,
for State and local taxes,
for incidentals, ....
Gross cash expenditures, ....
Risks and Premiums.
Amount. Cash Prem's.
Risks outstanding Dec. 31, 1894, $19,888,500 00 $181,386 32
Risks written during 1895, . 27,763,210 00 248,613 03
$237,223 89
127,130 91
$110,092 98
|246,098 98
9,387 15
$255,486 13
$61,371 81
133,140 88
7,361 85
5,365 00
3,094 51
11,515 71
$221,849 76
Conting't Prem's.
|906,931 60
1,243,065 15
Total .$47,651,710 00
Risks terminated during 1895, . 22,760,507 00
$429,999 35
180,363 53
',149,996 75
901,817 65
In force at end of year,
$24,891,203 00 $249,635 82 $1,248,179 10
Miscellaneous.
Losses incurred during the year $62,190 00
Percentage of profits or surplus returned during 1895, 70 per cent.
SALEM MUTUAL FIRE INSURANCE CO.
85
SALEM MUTUAL FIRE INSURANCE COMPANY, SALEM.
[Incorporated April 17, 1838. Commenced business May, 1838.]
SAMUEL A. POTTER, President. HOWARD S. PORTER, Secretary.
Amount of permanent fund, $52,580 66
Detailed Statement of Stocks, Bonds, etc.
Pat- Value. Market Value.
Old Colony Railroad bonds, .... $1,000 00 $1,02500
Fitchburg Railroad bonds, .... 4,000 00 4,165 00
Boston & Lowell Railroad bonds, . . . 3,000 00 3,130 00
Boston & Maine Railroad bonds, . . . 1,000 00 1,035 00
Keene (N.H.) city bonds, .... 1,00000 1,03500
Haverhill city bonds, 3,000 00 3,045 00
Springfield city bonds, . ... . 1,000 00 1,220 00
Springfield (Ohio) city bonds, . . .' 1,150 00 1,253 50
Toledo (Ohio) city bonds, .... 2,00000 2,220.00
Cincinnati city bonds, ..... 1,000 00 1,210 00
Chicago city bonds, . . . . . . 3,000 00 3,045 00
Danvers town bonds, 1,000 00 1,015 00
Woburn city bonds, . . . . . 2,000 00 2,055 00
Brockton city bonds, 1,000 00 1,030 00
Peabody town bonds, . . . . . 1,000 00 1,025 00
New Britain (Conn.) city bonds, . . . 2,000 00 2,085 00
Stoneham town bonds, . . . . 2,000 00 2,075 00
Cleveland city bonds, 3,000 00 3,210 00
Cook County bonds, 1,000 00 1,010 00
9 shares Boston & Maine R.R., . . . 900 00 1,425 00
5 " National Exchange Bank, Salem, . 500 00 460 00
20 " Salem National Bank, . . . 2,000 00 2,#00 00
14 " Asiatic National Bank, ... 420 00 420 00
15 " Salem Gas Company, . . . 1,500 00 1,425 00
Summary of Assets Dec
Cash value of unencumbered real estate,
Loans on mortgage of real estate (first liens*)
Interest due or accrued thereon,
Stocks, bonds, etc., as per schedule,
Cash in the office of the company, .
Cash deposited in bank, ....
Interest due and accrued,
Premiums in course of collection (gross),
Rents due and accrued, ....
Premiums more than three months due, $37 37
Gross assets,
$39,470 00
$42,018 50
. 31, 1895.
$12,000 00
14,700 00
83 69
42,018 50
372 71
227 04
497 78
2,260 26
40 00
7
<K79 1QQ Q«
* Value of lands mortgaged,
Value of buildings thereon,
Amount of insurance held as collateral, .
$7,400 00
14,600 00
8,800 00
86
SALEM MUTUAL FIRE INSURANCE CO.
Liabilities.
Losses adjusted, unpaid, :
Unearned premiums on outstanding risks,
Surplus due on terminated policies,
Due and accrued for rent, salaries, etc , .
Commissions and brokerage, .
Gross liabilities, . ■ . ' .
Net cash assets,
$26 62
23,750 25
1,163 02
475 00
381 31
Income.
Premiums outstanding Dec. 31, 1894, . . $2,205 34
Premiums on risks written or renewed, . . 21,639 61
Total, $23,844 95
Premiums now in course of collection, . . 2,297 63
Entire premiums collected, .... $21,547 32
Less reinsurance and return premiums, . . 516 43
Net cash premiums received, ....
Received for extra premiums,
Interest received on mortgages, ....
Interest and dividends received from all other sources,
Income from rents, .
Gross cash income,
Expenditures.
Cash paid for losses, . . .
Deduct salvage and reinsurance,
Net cash paid for losses,
Cash jiiid as profits on terminated policies,
for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for rents and incidentals,
Gross cash expenditures, ....
$25,796 20
,403 78
$21,030 89
115
45
758
00
1,577
28
305
05
,786 67
$3,267 51
2 85
$3,264 66
5,020 53
3,144 15
2,804 90
354 07
790 37
$15,378 68
Risks and Premiums.
Risks outstanding Dec. 31, 1894,
Risks written during 1895,
Total,
Risks terminated during 1895, .
In force at end of year, .
Amount.
52,205,709 00
1,325,309 00
.3,531,018 00
909,462 00
Cash Prem's. Conting't Prem's.
$35,771 91 $35,771 91
21,639 61 21,639 61
$57,411 52
14,035 45
1,621,556 00 $43,376 07
$57,411 52
14,035 45
3,376 07
Miscellaneous.
Losses incurred during the year, $3,291 00
Percentage of profits or surplus returned during 1895, 40 per cent.
SALISBURY AND AMESBURY MUTUAL FIRE INSURANCE CO. 87
SALISBURY AND AMESBURY MUTUAL FIRE INSURANCE
COMPANY, AMESBURY.
[Incorporated May 18, 1855. Commenced business June 13, 1855.]
GEORGE F. BAGLEY, President. CHARLES L. ALLEN", Secretary.
Summary of Assets Dec. 31, 1895.
Cash in the office of the company, .
Cash deposited in bank,
Premiums in course of collection (gross) ,
Office safe, $ 100 00
Gross assets,
Liabilities.
Unearned premiums on outstanding risks,
Gross liabilities,
Balance against the company, .
Income.
Premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed, .
$90 27
337 74
9 00
$1,025 20
Total,
Premiums now in course of collection, .
Entire premiums collected,
Less reinsurance and return premiums, .
Net cash premiums received, .
Interest and dividends received from all sources,
$23 80
221 83
$245
63
9
00
$236 63
21
38
Gross cash income,
Expenditures
Cash paid for losses, ....
as profits on terminated policies,
for salaries of officers and employe
for State and local taxes,
for incidentals,
es,
Gross cash expenditures,
Risks outstanding Dec. 31, 1894,
Risks written during 1895,
Risks and Premiums.
Amount.
$242,261 00
26,385 00
$437 01
1,025 20
$588 19
$215 25
16 00
$231 25
$50 00
50
159
00
2
19
13
00
$224 69
Cash Prem's. Conting't Prem's.
$2,027 14 $20,271 40
221 83
Total,. .
Risks terminated during 1895, .
In force at end of year, .
$268,646 00
30,325 00
238,321 00
$2,248 97
294 78
$1,954 19
Miscellaneous.
Losses incurred during the year,
2,218 30
$22,489 70
2,947 80
$19,541 90
$50 00
88
SAUGUS MUTUAL FIRE INSURANCE CO.
SAUGUS MUTUAL FIRE INSURANCE COMPANY, SAUGUS.
[Incorporated Feb. 24, 1852. Commenced business April 1, 1852.]
HERBERT B. NEWHALL, President. • WILBUR F. NEWHALL, Secretary.
[Note. — This company insures nothing but dwellings, farm buildings and their contents, in
Lynn, Saugus, Lynnfield, Swampscott and Nahant. No cash premiums are taken; but assess-
ments are made on deposit notes to pay losses and expenses. All policies are issued for a term
of three years.]
Summary of Assets Dec
Cash in the office of the company, .
Cash deposited in bank, . .
Unpaid assessments,
Gross assets,
31, 1895.
8763 80
63 78
339 60
L,167 18
Liabilities.
Rents, salaries and incidental expenses, .
Gross liabilities, ....
17 50
f 37 50
Income.
Interest and dividends received from all sources,
Policy fees,
Assessments on deposit notes, ....
Gross cash income,
|36 42
562 00
3,064 90
5,663 32
Expenditures.
Cash paid for losses,
for salaries of officers and employees,
for State and local taxes, .
for rents,
for incidentals, ....
Gross cash expenditures, ....
$2,992 27
1,400
00
28
85
112
50
228
41
$4,762 03
Risks and Premiums.
Risks outstanding Dec. 31, 1894,
Risks written during 1895,
Total,
Deduct risks expired and terminated,
In force at end of year, .
Amount. Conting't Prem's.
>,937,675 00 $361,982 00
971,550 00 119,091 00
. $3,909,225 00 $481,073 00
965,700 00 119,113 00
. $2,943,525 00 $361,960 00
Miscellaneous.
Losses incurred during the year, $2,992 00
Assessments laid on deposit notes or contingent premiums, . 3,181 00
SOUTH DANVERS MUTUAL FIRE INSURANCE CO.
89
SOUTH DANVERS MUTUAL FIRE INSURANCE COMPANY,
PEABODY.
[Incorporated Juue 12, 1829. Commenced business Aug. 1, 1829.]
WILLIAM P. CLARK, President. GEORGE M. FOSTER, Secretary.
Amount of permanent fund,
$54,125 18
Detailed Statement of Stocks,
48 " Warren National Bank, Peabody,
51 " Asiatic National Bank, Salem,
20 " Naumkeag National Bank, Salem,
18 " National Exchange Bank, Salem,
12 " First National Bank, Salem, .
34 " First National Bank, Danvers,
30 " Hide & Leather Nat'l Bank, Boston
4 " Andover National Bank, Andover,
1 " Cape Ann Nat'l Bank, Gloucester,
10 " Manufacturers' Nat'l Bank, Boston,
20 " Naumkeag Steam Cotton Company,
20 " Androscoggin Mills,
2 " Nashua Manufacturing Co.,
Cincinnati city bonds,
Wakefield Water Co. bonds,
Providence city bonds,
Pittsfield city bonds, .
Boston & Maine R.R. bonds,
Eastern R.R. bonds, .
Bonds, etc.
Par Value.
$11,100 00
4,800 00
1,530 00
2,000 00
1,800 00
1,200 00
2,550 00
3,000 00
400 00
100 00
1,000 00
2,000 00
2,000 00
1,000 00
2,000 00
2,000 00
7,000 00
2,000 00
3,000 00
2,000 00
Market Value.
$12,987 00
6.144 00
1,536 37
2,700 00
1,728 00
1,081 50
2,567 00
3,165 00
400 00
140 00
1,000 00
1,745 00
2,325 00
1.145 00
2,320 00
1,700 00
7,700 00
2,020 00
3,120 00
2,360 00
$52,480 00 $57,883 87
Summary of Assets Dec
Stocks, bonds, etc., as per schedule,
Cash in the office of the company,
Cash deposited in bank, .
Interest due and accrued, .
Gross assets,
31, 1895.
$57,883 87
85 00
8,203 38
464 22
$66,636 47
Liabilities.
Unearned premiums on outstanding risks, . $12,705 06
Surplus due on terminated policies, . . 867 75
Due and accrued for rent, salaries, etc., . . 537 50
Gross liabilities, . . . ...
14,110 31
Net cash assets, $52,526 16
90
STANDARD MUTUAL FIRE INSURANCE CO.
Income.
Premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed, .
Total,
Less reinsurance and return premiums, .
Net cash premiums received, ....
Interest and dividends received from all sources,
Income from policy fees,
$28 00
3,214 19
$3,242 19
144 38
Gross cash income,
f 3,097 81
2,661 20
110 00
$5,869 01
Expenditures.
Cash paid for losses,
as profits on terminated policies,
for salaries of officers and employees,
for State and local taxes,
for incidentals,
Gross cash expenditures,
^1,241
19
2,887
94
1,441
00
31
67
147
83
$5,749 63
Risks and Premiums.
Risks outstanding Dec. 31, 1894,
Risks written during 1895,
Total,. . . . .
Risks terminated during 1895, .
In force at end of year,
Amount.
,162,783 00
153,700 00
L,316,483 00
147,250 00
Cash Prem's. Conting't Prem's.
$25,031 65 $75,094 95
3,214 19
,245 84
3,078 44
9,642 57
,737 52
9,235 32
$1,169,233 00 $25,167 40 $75,502 20
Miscellaneous.
Losses incurred during the year, $1,241 00
Percentage of profits or surplus returned during 1895, 100 per cent.
STANDARD MUTUAL FIRE INSURANCE COMPANY, BOSTON.
[Incorporated April 13, 1894. Commenced business June 16, 1894.]
WM. B. SEWALL, President. JAMES B. ALDEN, Secretary.
Office, 24 Central Street.
Detailed Statement op Stocks, Bonds, etc.
Par Value.
City of Newton bonds, $5,000 00
Boston & Maine R.R. bonds, .... 5,000 00
Boston & Albany R.R. bonds, .... 5,000 00
Market Value
$5,362 50
5,687 50
5,306 25
$15,000 00 $16,356 25
STANDARD MUTUAL FIRE INSURANCE CO.
91
Securities held as collateral for cash loans :
Maine Central R.R. bonds, .
Market Value. Loaned Thereon.
11,130 00 $500 00
Summary of Assets Dec. 31, 1895
Stocks, bonds, etc., as per schedule,
Loans on collateral security, as per schedule,
Cash in the office of the company, .
Cash deposited in bank, ....
Premiums in course of collection (gross),
Interest due and accrued, ....
Premiums more than three mos. due, $154 42
Gross assets,
$16,356 25
500 00
251 31
3,720 28
13,731 59
207 40
$34,766 83
Liabilities.
Losses adjusted, unpaid, ....
Losses claimed and reported, .
Unearned premiums on outstanding risks,
Reinsurance premiums due other companies,
Return premiums on cancelled policies, .
Commissions and brokerage, .
Reinsurance disallowed, ....
Gross liabilities,
$3,352 42
752 50
23,965 58
1,328 61
835 87
1,487 42
104 33
Net cash assets,
31,826 73
$2,940 10
Income.
Premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed,
Total,
Premiums now in course of collection,
Entire premiums collected,
Less reinsurance and return premiums,
Net cash premiums received, .
Received for extra premiums,
Interest and dividends received from all sources,
$14,444 29
73,981 15
,425 44
13,886 01
$74,539 43
25,089 59
$49
,449
84
351
97
420
69
Gross cash income,
,222 50
Expenditures.
Cash paid for losses, .
Deduct salvage and reinsurance,
Net cash paid for losses, .
$30,222 89
1,849 19
$28,373 70
92 TEADERS' AND MECHANICS' MUTUAL FIRE INSURANCE CO.
Cash paid for commissions and brokerage, .... $6,189 27
for salaries of officers and employees, . . . 9,699 78
for State and local taxes, . . . . . 577 50
for rent and incidentals, 1,424 27
Gross cash expenditures, $46,264 52
Risks and Premiums.
Amount. Cash Prem's. Contlng't Prem's.
Risks outstanding Dec. 31,1894, $2,840,458 00 $39,213 71 $39,213 71
Risks written during 1895, . 5,092,872 00 74,333 12 74,333 12
Total, $7,933,330 00 $113,546 83 $113,546 83
Risks terminated during 1895, . 4,612,078 00 62,147 78 62,147 78
In force at end of year, . . $3,321,252 00 $51,399 05 $51,399 05
Deduct amount reinsured, . 210,037 00 3,467 89 3,467 89
Net amount in force, . . $3,111,215 00 $47,93116 $47,93116
Miscellaneous.
Losses incurred during the year, $30,727 59
TRADERS 1 AND MECHANICS' MUTUAL FIRE INSURANCE
COMPANY, LOWELL.
[Incorporated June, 1848. Commenced business June, 1848.]
LEVI SPRAGUE, President. EDWARD M. TUCKE, Secretary.
Amount of permanent fund, $410,098 69
Detailed Statement of Stocks, Bonds, etc.
Par Value. Market Value.
20 shares Androscoggin Mills,
4 " Boott Cotton Mills, .
2 " Hamilton Manufacturing Company
50 " Lawrence Gas Company,
231 " Lowell Gas Company,
5 " Lowell Manufacturing Company,
80 " Massachusetts Cotton Mills, .
10 " Merrimack Manufacturing Co.,
15 " Middlesex Company,
38 " Tremont & Suffolk Mills,
55 " Old Lowell Bank, .
20 " National Bank of North America,
25 " Vermont & Mass. R.R., .
$2,000 00 $2,360 00
4,000 00 4,860 00
2,000 00 1,930 00
5,000 00 5,800 00
23,100 00 57,750 00
3,450 00 2,810 00
8,000 00 8,000 00
10,000 00 11,750 00
1,500 00 1,800 00
3,800 00 5,434 00
5,500 00 6,765 00
♦2,000 00 2,020 00
2,500 00 3,625 00
traders' and mechanics' mutual FIRE INSURANCE CO. 93
Boston city bonds,
Boston & Maine Railroad bonds,
Fitchburg city bonds,
Marblehead water bonds, .
Maiden sewer bonds,
Marlborough water loan, .
Boston United Gas Co. bonds,
East Middlesex Street Railway bonds, .
Erie Telegraph and Telephone Co. bonds,
Fitchburg Railroad bonds,
Lowell & Suburban Street Railway bonds,
Maine Central Railroad bonds,
St. Johnsbury & Lake Champlain R.R. bonds
Chicago Sanitary bonds, ....
Swift Company bonds, ....
Securities held as collateral for cash loans
1 share Appleton Company, ....
100 shares Lowell & Suburban Street Railway,
40 " Lowell & Suburban Street Railway,
70 " American Bolt Co.,
20 " Massachusetts Cotton Mills, .
1 share Hamilton Manufacturing Company,
1 " Lowell Manufacturing Company, .
6 shares Vermont & Massachusetts R.R.,
30 " Lowell Gas Light Co., .
Par Value.
$20,000 00
20,000 00
10,000 00
10,000 00
10,000 00
10,000 00
20,000 00
10,000 00
20,000 00
15,000 00
20,000 00
20,000 00
20,000 00
20,000 00
5,000 00
Market Value.
$21,400 00
22,600 00
10,800 00
10,700 00
10,800 00
10,800 00
15,800 00
10,500 00
20,000 00
15,750 00
21,000 00
20,400 00
23,400 00
21,000 00
5,000 00
$302,850 00 $354,854 00
Market Value. Loaned Thereon.
$500 00
$200 00
12,500 00
10,000 00
5,000 00 !
1,750 00 S
5,200 00
2,000 00>j
890 oo y
3,000 00
562 00 J
870 00
750 00
7,500 00
4,000 00
$31,572 00 $23,150 00
Summary of Assets Dec. 31, 1895.
Loans on mortgage of real estate (first liens),
Interest due or accrued thereon,
Stocks, bonds, etc., as per schedule, .
Loans on collateral security, as per schedule,
All other cash loans,
Cash in the office of the company, .
Cash deposited in bank, .
Interest due and accrued, ....
Premiums in course of collection (gross),
Gross assets,
Liabilities.
Losses adjusted and reported, .
Unearned premiums on outstanding risks,
Surplus due on terminated policies,
Commissions and brokerage, .
Gross liabilities,
Net cash assets,
$161,639 00
4,836 65
354,854 00
23,150 00
78,800 00
5,141 88
37,110 14
2,614 10
22,592 44
$1,616 54
329,709 86
4,070 18
3,241 31
$690,738 21
338,637 89
$352,100 32
94 traders' and mechanics' mutual FIRE INSURANCE CO.
Income.
Premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed,
Total,
Premiums now in course of collection,
Entire premiums collected,
Less reinsurance and return premiums,
Net cash premiums received, .
Received for extra premiums, .
Interest received on mortgages,
Interest and dividends received from all other sources,
Gross cash income,
5,795 19
194,664 37
$208,459 56
22,592 44
$185,867 12
6,655 60
$179,211 52
1,510 65
11,942 55
21,091 50
$213,756 22
Expenditures.
Cash paid for losses,
as profits on terminated policies,
for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for rent and'incidentals,
Gross cash expenditures, ....
$75,778 57
77,821 46
26,751 94
11,840 00
2,043 19
8,071 48
$202,306 64
Risks and Premiums.
Amount. Cash Prem's. Conting't Prem's.
Risks outstanding Dec. 31,1894, $39,731,356 00 $613,002 41 $613,002 41
Risks written during 1895, . 12,290,531 00 194,664 37 194,664 37
Total, $52,021,887 00 $807,666 78 $807,666 78
Risks terminated during 1895, . 10,054,062 00 155,141 74 155,141 74
In force at end of year,
Deduct amount reinsured,
Net amount in force,
.,967,825 00 $652,525 04 $652,525 04
24,675 00 362 79 362 79
:1,943,150 00 $652,162 25 $652,162 25
Miscellaneous.
Losses incurred during the year, $77,395 00
Percentage of profits or surplus returned during 1895, 30, 50, 70 per cent.
WACHUSETT MUTUAL FIRE INSURANCE CO.
95
WACHUSETT MUTUAL FIRE INSURANCE COMPANY,
FITCHBURG.
[Incorporated May 8, 1891. Commenced business July 1, 1891.]
HENRY A. GOODRICH, President. FREDERICK A. CURRIER, Secretary.
Summary of Assets Dec. 31, 1895.
Cash in the office of the company, . . . $212 14
Cash deposited in bank, 21,256 87
Premiums in course of collection (gross), . 13,607 11
Rents due and accrued, 110 75
Premiums more than three mos. due, $ 269 40
Gross assets,
$35,186 87
Liabilities.
Losses adjusted, unpaid, .
Losses claimed and reported, .
Unearned premiums on outstanding risks
Return premiums on cancelled policies,
Commissions and brokerage, .
Due for reinsurance, ....
Gross liabilities, ....
Net cash assets,
f 1,328 31
3,000 00
25,183 27
4 75
2,566 62
10 80
32,093 75
$3,093 12
Income.
Premiums outstanding Dec. 31, 1894, . . $18,007 03
Premiums on risks written or renewed, . . 72,712 16
Total, $90,719 19
Premiums now in course of collection, . . 13,876 51
Entire premiums collected, .... $76,842 68
Less reinsurance and return premiums, . . 25,135 96
Net cash premiums received, ....
Interest and dividends received from all sources* .
Income from rents,
Assessment on deposit notes,
$51,706
72
678
34
579
75
96
68
Gross cash income,
,061 49
Expenditures.
Cash paid for losses,
Deduct salvage and reinsurance,
Net cash paid for losses, ....
Cash paid for commissions and brokerage,
$23,987 73
304 64
$23,683 09
11,763 72
96 WESTEKN MASSACHUSETTS MUTUAL FIRE INSURANCE CO.
Cash paid for salaries of officers and employees, . . . $4,967 94
for State and local taxes, 498 90
for rents, . . . # . . . . . 900 00
for incidentals, 3,222 08
Gross cash expenditures, $45,035 73
Risks and Premiums.
Amount. Cash Prem's. ContJng't Prem's.*
Risks outstanding Dec. 31,1894, $3,605,254 00 $51,048 90 $78,547 12
Risks written during 1895, . 4,878,129 00 72,712 16
Total, $8,483,383 00 $123,761 06
Risks terminated during 1895, . 5,754,038 00 73,463 94
In force at end of year, . . $2,729,345 00 $50,297 12
Deduct amount reinsured, . 16,512 00 279 09
Net amount in force, . . $2,712,833 00 $50,018 03 $141,187 17
Miscellaneous.
Losses incurred during the year, $22,147 00
WESTERN MASSACHUSETTS MUTUAL FIRE INSURANCE COM-
PANY, SPRINGFIELD.
[Incorporated Jan. 18, 1894. Commenced business Feb. 15, 1894.]
ELISHA MORGAN, President. CHARLES E. STICKNET, Secretary.
Summary of Assets Dec. 31, 1895.
Cash in the office of the company, . . . $4,305 63
Reinsurance due, etc., . 44 56
Unpaid assessments, . . $48,598 19
Premiums more than three mos. due, 1,253 77
Gross assets, $4,350 19
Liabilities.
Losses adjusted, unpaid, ..... $16,152 65
Losses disputed or resisted, .... 5,229 19
Unearned premiums on outstanding risks, . 274 03
Return premiums on cancelled policies, . . 3,623 31
* In accordance with the by-laws of this company the contingent premium is three times the
cash premium.
WESTERN MASSACHUSETTS MUTUAL FIRE INSURANCE CO. 97
Due and accrued for rent, salaries, etc., .
Commissions and brokerage, .
Gross liabilities, ....
Balance against company, .
$2,111 55
2 82
$27,393 55
a • •
$23,043 36
Income.
Premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed, .
Total,
Premiums now in course of collection, .
Entire premiums collected,
Less reinsurance and return premiums, .
Net cash premiums received, .
Assessments on contingent premiums,
From all other sources, ....
$13,969 44
19,941 10
$33,910 54
1,253 77
$32,656 77
18,771 06
Gross cash income,
$13,885 71
9,821 81
2,254 06
$25,961 58
Expenditures.
Cash paid for losses, . .
Deduct salvage and reinsurance,
Net cash paid for losses,
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for rent and incidentals, . . .
Gross cash expenditures, ....
$18,225 86
3,298 56
$14,927 30
2,146 21
5,486 48
448 82
1,876 31
$24,885 12
Risks and Premiums.
Amount. Cash Prem's. Conting't Prem's.
Risks outstandingDec. 31, 1894, $4,492,509 00 $65,670 66 $197,011 98
Risks written during 1895, . 1,438,265 00 19,94110 59,823 30
Total, .... $5,930,774 00 $85,611 76 $256,835 28
Risks terminated during 1895, . 5,882,054 00 85,063 70 255,191 10
In force at end of year, .
$48,720 00
$548 06
,644 18
Miscellaneous.
Losses incurred during the year, ...... $22,678 00
Assessments laid on deposit notes or contingent premiums, . 58,420 00
98
WESTFORD MUTUAL FIRE INSURANCE CO.
WESTFORD MUTUAL FIRE INSURANCE COMPANY, WESTFORD.
[Incorporated March 16, 1840. Commenced business July, 1840.]
ALLAN CAMERON, President. CARRIE E. READ, Secretary.
Summary of Assets Dec 31, 1895.
Loans on mortgage of real estate (first liens*), $4,922 34
Interest due or accrued thereon, . . . 229 30
Cash in the office of the company, ... 33
Cash deposited in savings bank, . . . 4,787 78
Gross assets, . . . . . .
>,939 75
Liabilities.
Unearned premiums on outstanding risks,
State and local taxes, ...
Gross liabilities, ....
Net cash assets,
^,383 82
6 48
1,390 30
<8,549 45
Income.
Cash premiums received,
Received for extra premiums, . .
Interest received on mortgages, . .
Interest and dividends received from all other sources,
Gross cash income, .....
$593 75
2 90
166 71
155. 48
$918 84
Expenditures.
Cash paid as profits on terminated policies, .
for salaries of officers and employees,
for State and local taxes,
for incidentals, ....
Gross cash expenditures, ....
$115
90
43
90
6
48
1
25
$167 53
Risks and Premiums.
Risks outstanding Dec. 31, 1894,
Risks written during 1895,
Amount.
$324,310 00
73,535 00
Cash Prem's. Coi
$2,699 83
596 15
iting't Prem's.
$8,099 49
1,788 45
Total,. . . / .
Risks terminated during 1895, .
$397,845 00
63,775 00
$3,295 98
528 35
$9,887 94
1,585 05
In force at end of year, .
$334,070 00
$2,767 63
$8,302 89
* Total value of property mortgaged, .
Amount of insurance held as collateral, . .
. $15,500 00
4,500 00
i
WEST NEWBURY MUTUAL FIRE INSURANCE CO.
99
WEST NEWBURY MUTUAL FIRE INSURANCE COMPANY,
WEST NEWBURY.
[Incorporated March, 1828. Commenced business April, 1828.]
CHAS. W. ORDWAY, President. HENRY T. BAILEY, Secretary.
[Note.— This company charges no cash premiums, but relies upon assessments on deposit
notes to pay losses and expenses.]
Summary of Assets Dec. 81, 1895.
Unpaid assessments on deposit notes, ....
Office furniture,
Gross assets,
. $100 00
$327 81
$327 81
Due for borrowed money,
Gross liabilities,
Liabilities.
1,335 75
1,335 75
Income.
Borrowed money, ......
Policy fees, .......
Received from assessment on deposit notes, .
Gross cash income,
,835 75
$131 50
6,332 19
>,463 69
Expenditures.
Cash paid for losses, . . ( . , .
for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for rents,
Borrowed money repaid, .
Interest on borrowed money,
Incidental expenses,
Gross cash expenditures,
$5,408 00
,730 49
606
88
390 00
61
42
17
50
350
38
67
70
t,224 37
Risks and Premiums.
Risks outstanding Dec. 31, 1894,
Risks written during 1895,
Total,
Deduct risks expired and terminated,
In force at end of year, .
Miscellaneous.
Losses incurred during the year, $2,730 00
Assessments laid on deposit notes or contingent premiums, . 6,660 00
Amount. Conting't Prem's.
1,595,787 00 §144,668 54
292,600 00 16,824 50
5,387 00 $161,493 04
380,415 00 21,873 87
!,507,972 00 $139,619 17
100
WINTHROP MUTUAL INSURANCE CO.
WINTHROP MUTUAL INSURANCE COMPANY, BOSTON.
[Incorporated June 23, 1894. Commenced business Nov. 15, 1894.]
HENRY L. DAWES, President. EDWARD R. TINKER, Secretary.
Summary op Assets Dec
Cash in the office of the company, .
Cash deposited in bank, ....
Premiums in course of collection (gross),
Return premiums on cancelled policies, .
Premiums more than three mos. due, $424 06
Gross assets, ......
Liabilities.
Losses claimed and reported, .
Losses disputed or resisted,
Unearned premiums on outstanding risks,
Return premiums on cancelled policies,
Due and accrued for rent, salaries, etc.,
Commissions and brokerage, .
Gross liabilities,
31, 1895.
Balance against company, .
Income
Premiums outstanding Dec. 31, 1894,
Same not collected, ....
Net collected, ....
Premiums on risks written or renewed,
Total,
Premiums now in course of collection,
Entire premiums collected, .... $31,096 11
Less reinsurance and return premiums, . . 16,224 10
Net cash premiums received, .
Received for extra premiums, .
Interest and dividends received from all other sources,
$388 11
3,858 28
2,034 27
77 61
$ 1,800 00
1,150
00
5,248
14
211
21
355
43
294 80
$13,529 55
162 50
$13,367 05
20,187 39
$33,554 44
2,458 33
,358 27
9,059 58
$2,701 31
$14,872 01
103 77
90 00
Gross cash income, . . . . . , . . $15,065 78
Expenditures.
Cash paid for losses,
for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes, .
for rents, ......
for incidentals, ....
Gross cash expenditures, ....
|3,715 96
2,887 05
3,514 07
184 87
525 06
1,666 36
$12,493 37
WORCESTER MANUFACTURERS' MUTUAL INSURANCE CO. 101
Risks and Premiums.
Amount. Cash Prem's.
Risks outstanding Dec. 31,1894, $1,063,992 00 $15,654 70
Risks written during 1895, . 1,910,019 00 20,187 39
Total, .... $2,974,011 00
Risks terminated during 1895, 2,237,854 00
In force at end of year, .
Deduct amount reinsured,
Net amount in force,
$736,157 00
1,000 00
$35,842 09
24,565 15
$11,276 94
20 94
Contlng't Prem's.
$46,973 10
60,562 17
$107,535 27
73,695 45
$33,839 82
62 82
$735,157 00 $11,256 00 $33,777 00
Miscellaneous.
Losses incurred during the year, .
1,666 00
WORCESTER MANUFACTURERS' MUTUAL INSURANCE COM-
PANY, WORCESTER.
[Incorporated March 31, 1855. Commenced business March 31, 1855.]
PHILIP W. MOEN, President. SAMUEL R. BARTON, Secretary.
Detailed Statement of Stocks, Bonds, etc.
Par Value. Market Value.
Providence & Worcester R.R. bonds, . . $13,000 00 $13,260 00
Fitchburg Railroad bonds, .... 15,000 00 16,050 00
Old Colony Steamboat Co. bonds, . . . 15,000 00 15,262 50
Connecticut River R.R. scrip, .... 15,00000 15,00000
Worcester Consolidated Street R.R. bonds, . 14,000 00 14,000 00
Concord & Montreal R.R. bonds, . . . 20,000 00 20,800 00
Chicago, Burl. & Quincy R.R. bonds, . . 25,000 00 23,500 00
Old Colony Railroad bonds, . . . . 35,000 00 38,237 50
Boston & Lowell R.R. bonds, .... 20,000 00 21,200 00
Chicago & Eastern Illinois R.R. bonds, . . 25,000 00 28,600 00
Boston & Maine Railroad bonds, . . . 20,000 00 23,100 00
City National Bank (Worcester) stock, . . 6,000 00 9,000 00
West End Street R.R. bonds, . . . . 10,000 00 10,550 00
Rutland Railway bonds, ..... 10,000 00 11,150 00
Corporation notes, , - 35,000 00
$243,000 00 $294,710 00
Summary of Assets Dec
Stocks, bonds, etc., as per schedule,
Cash in the office of the company, .
Cash deposited in bank, ....
Premiums in course of collection (gross),
Gross assets,
31, 1895.
$294,710 00
35 99
20,003 98
732 22
$315,482 19
102 WORCESTER MANUFACTURERS' MUTUAL INSURANCE CO.
Liabilities.
Losses adjusted, unpaid, .
Losses claimed and reported, .
Unearned premiums on outstanding
Taxes accrued, ....
Gross liabilities, .
Net cash assets,
risks,
$61,343 53
10,660 35
129,087 Q5
410 47
$201,502 00
13,980 19
Income.
Premiums outstanding Dec. 31, 1894, . . $633 64
Premiums on risks written or renewed, . . 267,991 42
Total, $ 268,625 06
Premiums now in course of collection, . , 732 22
Entire premiums collected, .... $267,892 84
Less reinsurance and return premiums, . . ■ 8,168 93
Net cash premiums received, ....
Interest and dividends received from all sources, .
Gross cash income, , , . . . .
$259,723 91
12,502 88
$272,226 79
Expenditures.
Cash paid for losses,
as profits on terminated policies,
for salaries of officers and employees,
for State and local taxes,
for rent and incidentals, .
for inspections, .....
Premium on bonds, ......
Gross cash expenditures, ....
$2,115 00
$18,974 93
220,971 17
7,334 86
2,581 48
2,392 12
4,463 88
. $256,718 44
Risks and Premiums.
Amount. Cash Prem's. Conting't Prem's.
Risks outstanding Dec. 31, 1894, $29,759,460 00 $249,836 32 $1,232,295 30
Risks written during 1895, . 32,637,013 00 267,991 42 1,339,957 10
Total, $62,396,473 00 $517,827 74 $2,572,252 40
Risks terminated during 1895,. 31,098,740 00 259,652 43 1,281,375 85
In force at end of year,
,297,733 00 $258,175 31 $1,290,876 55
Miscellaneous.
Losses incurred during the year, $90,442 00
Percentage of profits or surplus returned during 1895, 87^^ per cent.
WORCESTER MUTUAL FIRE INSURANCE CO.
103
WORCESTER MUTUAL FIRE INSURANCE COMPANY,
WORCESTER.
[Incorporated Feb. 11, 1823. Commenced business May 1, 1824.]
JOHN A. FAYERWEATHER, President. ROGER F. UPHAM, Secretary.
$388,258 23
Amount of permanent fund,
Detailed Statement of Stocks, Bonds, etc.
170 shares Worcester National Bank,
22 " Central National Bank, .
50 " Citizen's National Bank,
200 " City National Bank,
58 " Mechanics' National Bank,
45 " Quinsigamond National Bank,
40 " Fitch burg Natl Bank, Fitchburg, .
15 " Southbridge Nat'l B'k, Southbridge,
10 " Oxford National Bank, Oxford, r .
15 " Blackstone Nat'l Bank, Uxbridge, .
20 " First National Bank, Westborough,
25 " Wachusett Nat'l Bank, Fitchburg, .
Boston & Maine Railroad bonds,
Boston & Albany Railroad bonds, .
Cincinnati, Hamilton & Dayton R.R. bonds, .
Portland & Rumford Falls R.R. bonds, ,
Fitchburg Railroad bonds,
Cheshire Railroad bonds,
Worcester, Nashua & Rochester R.R. bonds, .
Maine Central R.R. bonds, . . .
Penobscot River R.R. bonds, ....
Worcester Consolidated Street R'y bonds,
West End Street Railway bonds,
Rutland R.R. bonds,
Securities held as collateral for cash loans : —
Savings bank books assigned, ....
60 shares Howard Bros. Manuf. Co.,
15 " Worcester Gas Light Co., . . .
42 " Richardson Manuf. Co., .
Par Value.
,000 00
2,200 00
5,000 00
20,000 00
5,800 00
4,500 00
4,000 00
1,500 00
1,000 00
1,500 00
2,000 00
2,500 00
15,000 00
5,000 00
12,000 00
5,000 00
25,000 00
7,000 00
8,000 00
5,000 00
5,000 00
5,000 00
5,000 00
3,000 00
Market Talne.
$24,650 00
3,190 00
6,500 00
29,000 00
5,220 00
6,300 00
6,000 00
1,500 00
1,000 00
1,500 00
2,000 00
5,000 00
16,550 00
5,300 00
12,120 00
5,150 00
25,000 00
7,280 00
8,080 00
5,050 00
5,050 00
5,200 00
5,200 00
3,270 00
$167,000 00 $195,110 00
Market Value.
$1,247 37
6,000 00
2,250 00
6,300 00
$15,797 37
Loaned Thereon.
$600 00
5,000 00
1,500 00
2,000 00
f 9,100 00
Summary of Assets Dec. 31, 1895.
Cash value of unencumbered real estate, . $89,000 00
Loans on mortgage of real estate (first liens*), 369,339 00
* Value of lands mortgaged, . ' $238,450 00
Value of buildings thereon, 484,900 00
Amount of insurance held as collateral, . . . 359,500 00
104
WORCESTER MUTUAL FIRE INSURANCE CO.
Stocks, bonds, etc., as per schedule,
Loans on collateral security, as per schedule,
Loans on personal security,
Cash in the office and in bank, .
Premiums in course of collection (gross),
Interest due and accrued, .
Rents due and accrued,
Gross assets, ....
$195,110 00
9,100 00
3,075 00
9,864 24
9,031 62
9,479 44
1,012 03
5,011 33
Liabilities.
Net amount of unpaid losses, .
Unearned premiums on outstanding risks,
Eeturn premiums on cancelled policies, .
Surplus due on terminated policies,
Commissions and brokerage, .
Gross liabilities, . ...
$6,000 00
289,099 53
331 38
2,625 37
2,501 06
Net cash assets,
300,557 34
f394,453 99
Income.
Premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed, .
Total,
Premiums now in course of collection,
Entire premiums collected, ....
Less reinsurance and return premiums, .
Net cash premiums received, ....
Received for extra premiums, ....
Interest and dividends received from all sources,
Income from rents,
$9,463 85
130,481 97
$139,945 82
9,031 62
$130,914 20
4.875 87
Gross cash income,
$126,038 33
1,378 65
26,771 80
7,417 40
$161,606 18
Expenditures.
Cash paid for losses,
Deduct salvage and reinsurance,
Net cash paid for losses, .....
Cash paid as profits on terminated policies,
for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for incidentals, ....
for repairs on real estate, .
$38,809 48
919 50
$37,889 98
70,911 51
17,948 83
12,518 40
3,961 12
4,507 62
1,732 79
Gross cash expenditures,
,470 25
WORCESTER MUTUAL FIRE INSURANCE CO. 105
Risks and Premiums.
Amount. Cash Prem's. Conting't Prem's.
Risks outstanding Dec. 31, 1894, $39,010,9 14 00 $569,561 67 $569,561 67
Risks written during 1895, . 9,129,305 00 130,48197 130,48197
Total, $48,140,219 00 $ 700,043 64 $700,043 64
Risks terminated during 1895, . 8,155,938 00 110,938 28 110,938 28
In force at end of year, . . $39,984,281 00 $589,105 36 $589,105 36
Miscellaneous.
Losses incurred during the year, ...... $41,451 00
Percentage of profits or surplus returned during 1895, 25, 50, 70 per cent.
AGGREGATE.
$100,000 00
Assets.
$10,505,334 00
Liabilities.
Gross present liabilities,
$5,822,664 00
Income.
Cash received for premiums during the year,
$5,523,716 00
for interest and dividends, ....
420,641 00
for assessment on deposit notes, .
28,428 00
for rents,
27,986 00
from all other sources,
37,209 00
Gross cash income,
$6,037,980 00
EXPENDITURES.
Cash paid for losses,
$1,894,990 00
for brokerage and commission on premiums,
388,883 00
for salaries and fees of officers and employees,
316,982 00
for interest on borrowed money,
1,551 00
for State and local taxes,
74,745 00
for rents,
11,891 00
for return of profits or surplus, ....
3,122,764 00
for dividends on guaranty capital,
7,000 00
for all other expenditures, .....
236,370 00
Total expenditures,
$6,055,176 00
General Items.
Risks written during the year,
$567,419,209 00
terminated during the year,
553,293,527 00
outstanding at end of year,
860,567,630 00
Amount of contingent premiums received thereon, .
24,628,529 00
of losses incurred during the year,
2,219,625 00
of permanent fund,
3,996,527 00
MASSACHUSETTS
MUTUAL MAEINE INSURANCE COMPANIES.
Detailed Statement of Assets and Liabilities, with Abstract
of Annual Statements for the Year ending
December 31, 1895.
108
CHINA MUTUAL INSURANCE CO.
DETAILED STATEMENTS OF ASSETS AND LIABILITIES.
CHINA MUTUAL INSURANCE COMPANY, BOSTON.
[Incorporated April 30, 1853. Commenced business Oct. 1, 1853.]
EDMUND A. POOLE, President. WILLIAM H. LORD, Secretary.
Office, 70 Kilby Street.
Detailed Statement of Stocks and Bonds.
100 shares Commerce National Bank,
100 " Hide and Leather National Bank,
100 " New England National Bank,
100 " North National Bank, .
100 " Republic National Bank,
75 " Old Colony Railroad,
100 " Fitchburg Railroad,
250 " NewYork, New Haven & Hart. R.R.,
50 " Connecticut River R.R., . . ,
Par Value.
$10,000 00
10,000 00
10,000 00
10,000 00
10,000 00
7,500 00
10,000 00
25,000 00
5,000 00
Market Value.
$11,200 00
10,625 00
15,612 00
10,775 00
15,200 00
13,275 00
9,100 00
45,000 00
12,400 00
$97,500 00 $143,187 00
Summary of Assets Dec. 31, 1895.
$143,187 00
1,400 00
2,293 74
37,442 23
57,464 87
51,131 22
12,616 61
Stocks and bonds, as per schedule, .
Loans on collateral security,
Cash in the office of the company, .
Cash deposited in bank, . . . .
Premiums in course of collection (gross),
Notes taken for marine and inland risks,
Bills receivable, etc., .
Premiums more than three mos. due, $3,000 00
Gross assets, . . . .
Liabilities.
Losses adjusted and reported, .
Unearned premiums on outstanding risks,
Unpaid scrip ordered to be redeemed,
Interest due or accrued on scrip,
Commissions and brokerage, .
Gross liabilities, except capital,
Surplus as regards policy-holders, .
Scrip outstanding, not ordered to be redeemed,
Impairment of scrip reserve, . , ,
$305,535 67
),500 00
112,173 46
60 00
1,151 80
2,500 00
176,385 26
$129,150 41
506,090 00
$376,939 59
CHINA MUTUAL INSURANCE CO.
109
Income.
Marine premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed, .
Total,
Premiums now in course of collection, .
Entire premiums collected, .... $247,711 22
Less reinsurance and return premiums, . . 60,054 15
Net cash marine premiums received.
Interest and dividends received from all sources, .
$49,598 96
309,708 35
$359,307 31
111,596 09
$187,657 07
5,908 47
Gross cash income, $193,565 54
Expenditures.
Cash paid for marine and inland losses, .
Deduct salvage and reinsurance,
Net cash paid for marine and inland losses, .
Interest paid scrip-holders, ....
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for rent and incidentals, .
Gross cash expenditures, ....
$169,516 36
30,278 77
f 139,237 59
9,647 00
14,621 09
14,835 45
2,148 10
10,847 91
$191,337 14
Risks and Premiums.
Marine risks outstanding Dec. 31, 1894,
Marine risks written during 1895, .
Total,
Deduct risks expired and terminated,
In force at end of year, . .
Deduct amount reinsured, . ,
Net amount in force, . »
Premiums.
. $3,582,890 00 $113,176 50
. 16,932,765 00 309,708 35
. $20,515,655 00 $422,884 85
. 14,408,657 00 232,739 11
1,106,998 00 $190,145 74
693,650 00 27,308 06
1,413,348 00 $162,837 68
Miscellaneous.
Premiums received from organization of company, ,
Losses paid from organization of company,, .
Marine and inland losses incurred during the year,
Cash dividends declared from organization of company,
. $16,304,355 00
. 11,612,150 00
148,652 00
. 3,289,197 00
110
INDIA MUTUAL INSUEANCE CO.
INDIA MUTUAL INSURANCE COMPANY, BOSTON.
[Incorporated March 29, 1867. Commenced business May 2, 1867 ]
Guaranty Fund paid up in Notes, $140,000.
H. B. ALDEN, President. GEO. H. CROWELL, Secretary.
Office, 107 Water Street.
Detailed Statement of Stocks
New York & New England R.R. bonds, .
150 shares Old Colony Railroad,
80
100
50
63
25
40
10
10
Boston & Maine R.R.,
West End R.R.,
Chicago, Burl. & Quincy R.R.,
New England R.R.,
N. Y., New Haven & Hart. R.R.,
National Webster Bank, .
Hamilton National Bank,
Everett National Bank, .
and Bonds.
Par Value.
$5,000 00
15,000 00
8,000 00
5,000 00
5,000 00
6,300 00
2,500 00
4,000 00
1,000 00
1,000 00
Company's own scrip,
i,801 00
$52,800 00
Summary of Assets Dec. 31, 1895.
Stocks and bonds, as per schedule, . . . $75,149 00
Cash in office, ....... 998 44
Cash deposited in bank, ... . . 1,598 08
Premiums in course of collection (gross), . 3,387 38
Notes taken for marine and inland risks, . 599 64
Subscription notes on time, not exceeding
twelve months, not yet due, .... 140,000 00
Gross assets, .....
Market Value.
$6,000 00
26,700 00
13,600 00
9,000 00
3,850 00
5,229 00
4,500 00
4,320 00
1,070 00
880 00
7 5,149 00
Liabilities.
Losses claimed and reported, .
Losses disputed or resisted,
Total amount of losses, ....
Less salvage, . . . . .
Net amount of unpaid losses, .
Unearned premiums on outstanding risks,
Interest due or accrued on scrip,
Due and accrued for rent, salaries, etc., .
Commissions and brokerage, .
Reinsurance, . . .
Gross liabilities, except capital,
Surplus as regards policy-holders, .
Guaranty fund,
Scrip outstanding, not ordered to be redeemed,
Impairment of scrip reserve,
$221,732 54
$4,170 03
2,248 78
$6,418 81
1,218 50
$5,200 31
14,759 75
198 48
102 33
532 80
88 97
20,882 64
$140,000 00
150,471 00
$200,849 90
290,471 00
• • •
$89,621 10
INDIA MUTUAL INSURANCE CO.
Ill
Income.
Fire premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed,
Total,
Premiums now in course of collection,
Entire premiums collected,
Less reinsurance and return premiums,
Net cash fire premiums received,
Marine premiums received,
Interest and dividends received from all
Income from all other sources,
Gross cash income,
other
$2,549 52
31,932 93
$34,482 45
3,387 38
$31,095 07
3,696 38
sources, .
• •
$27,398 69
839
88
3,006
55
72
89
11,318 01
Expenditures.
Cash paid for fire losses, .
Deduct salvage and reinsurance, . ,
Net cash paid for fire losses,
Cash paid for marine and inland losses, .
Deduct salvage and reinsurance,
Net cash paid for marine and inland losses,
Cash dividends paid,
Cash paid for redemption of scrip, .
Interest paid scrip-holders,
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for rent and incidentals,
Gross cash expenditures, .
1,625 51
50 74
;,584 22
654 67
t,574 77
2,929
55
2,800
00
376
50
3,060
59
4,387
25
5,100
00
148
80
2,588
47
$25,965 93
Risks and Premiums.
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
Total, ......
Deduct risks expired and terminated,
In force at end of year,
Deduct amount reinsured,
Net amount in force, .
$447,034 00
2,568,461 00
J3,015,495 00
830,396 00
Premiums.
$5,571 44
31,932 93
£37,504 37
9,496 34
1,185,099 00 $28,008 03
88,418 00 696 41
1,096,681 00 $27,311 62
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company,
Fire losses incurred during the year,
. $3,485,997 00
. 2,537,299 00
6,803 00
AGGREGATE.
Whole amount of guaranty fund, in subscription notes,
Whole amount of outstanding scrip not cancelled,
Gross present assets,
Assets.
Liabilities.
Gross present liabilities,
Income.
Cash actually received for fire premiums, .
actually received for marine premiums,
for interest and dividends from all sources,
from all other sources,
Gross cash income,
Expenditures.
Cash actually paid during the year for fire losses,
actually paid during the year for marine losses,
for brokerage and commissions on premiums,
for salaries and pay of officers and employees,
for State and local taxes
for office agency and incidental expenses, .
Intprest paid scrip-holders,
Dividends paid on subscription notes, .
Gross cash expenditures, ....
Miscellaneous.
Whole amount of fire risks written during the year,
premiums charged or receivable thereon,
marine risks written during the year,
premiums charged or receivable thereon,
fire risks terminated during the year,
marine risks terminated during the year,
fire risks outstanding at end of year,
marine risks outstanding at end of year,
fire losses incurred during the year,
marine losses incurred during the year,
$140,000 00
656,561 00
$527,269 00
f 197,268 00
$27,399 00
188,496 00
8,916 00
73 00
$224,884 00
$4,575 00
142,167 00
19,008 00
19,935 00
2,297 00
13,813 00
12,708 00
2,800 00
$217,303 00
$2,568,461 00
31,933 00
16,932,765 00
309,708 00
830,396 00
14,408,657 00
2,096,681 00
5,413,348 00
6,803 00
148,652 00
MASSACHUSETTS
JOINT-STOCK FffiE, MAKINE AND FIRE-MAEINE
INSURANCE COMPANIES.
Detailed Statement of Assets and Liabilities, with Abstract
of Annual Statements for the Year ending
December 31, 1895.
114
AMERICAN INSURANCE CO.
DETAILED STATEMENTS OF ASSETS AND LIABILITIES.
AMERICAN INSURANCE COMPANY, BOSTON.
[Incorporated June 12, 1818. Commenced business June, 1818.]
Paid-up Capital, $300,000.
FRANCIS PEABODY, President. HENRY S. BEAN, Secretary.
Office, 30 Kilby Street.
Detailed Statement of Stocks
222 shares Old Boston National Bank,
200
45
170
142
62
100
152
280
100
56
69
578
13
200
8
Columbian National Bank,
National Eagle Bank,
Globe National Bank,
Hamilton National Bank,
New England National Bank,
Suffolk National Bank, .
State National Bank,
National Union Bank,
Merchants 1 National Bank,
Tremont National Bank,
Washington National Bank,
Boston & Albany Railroad,
Boston & Lowell Railroad,
Old Colony Railroad,
Merrimack Manufacturing Co.,
Chicago, Burlington & Quincy R.R. bonds,
Eastern Railroad bonds, ....
Chicago, Milwaukee & St. Paul R R. bonds,
Cincinnati, Ind., St. Louis & Chic. R.R. bonds,
Massachusetts State bonds,
Securities held as collateral for cash loans : —
200 shares Essex County Building Co., .
and Bonds.
Par Value.
$22,200 00
20,000 00
4,500 00
17,000 00
14,200 00
6,200 00
10,000 00
15,200 00
28,000 00
10,000 00
5,600 00
6,900 00
57,800 00
6,500 00
20,000 00
8,000 00
50,000 00
20,000 00
25,000 00
40,000 00
18,000 00
Market Value.
$23,976 00
19,000 00
3,600 00
14,110 00
14,910 00
9,610 00
10,500 00
16,416 00
36,400 00
15,000 00
5,040 00
7,245 00
118,490 00
13,260 00
35,000 00
9,200 00
46,000 00
23,600 00
29,500 00
37,600 00
18,000 00
$405,100 00 |506,457 00
Market Value. Loaned Thereon.
$20,000 00 $15,000 00
Summary of Assets Dec. 31, 1895.
Stocks and bonds, as per schedule, . . . $506,457 00
Loans on collateral security, as per schedule, . 15,000 00
Cash in the office of the company, . . . 992 97
Cash deposited in bank, ..... 22,882 21
Interest due and accrued, 2,594 51
Premiums in course of collection (gross), . 19,924 76
Premiums more than three mos. due, $828 82
Gross assets,
$567,851 45
AMERICAN INSURANCE CO.
115
Liabilities.
Losses adjusted, unpaid, ....
claimed and reported, .
disputed or resisted,
Total amount of losses, ....
Less reinsurance,
Net amount of unpaid losses, .
Unearned premiums on outstanding risks,
Dividends to stockholders unpaid, .
Due and accrued for rent, salaries, etc., .
State and local taxes, ....
Commissions and brokerage, .
Return premiums and reinsurance, .
Reinsurance disallowed, ....
Gross liabilities, except capital,
Surplus as regards policy-holders, .
Paid-up capital,
Surplus over capital, .
$1,306 95
19,861 14
3,997 00
$25,165 09
1,400 00
$23,765 09
150,535 19
45 00
1,319 67
21 53
3,388 73
3,313 03
1,400 00
$ 183,788 24
$384,063 21
300,000 00
,063 21
Income.
Fire premiums outstanding Dec. 31, 1894, . $27,022 54
Premiums on risks written or renewed, . . 282,517 36
Total, $309,539 90
Premiums now in course of collection, . . 20,753 58
Entire premiums collected, .... $288,786 32
Less reinsurance and return premiums, . . 53,712 72
Net cash fire premiums received,
Additional premiums received,
Interest and dividends received from all sources,
$235,073 60
1,784 40
21,801 51
Gross cash income, $258,659 51
Expenditures.
Cash paid for fire losses,
Deduct salvage and reinsurance,
Net cash paid for fire losses, ....
Cash dividends paid,
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for rent and incidentals, . . :
Gross cash expenditures, ....
$134,813 60
10,262 15
$124,551 45
18,132 00
50,476 73
24,266 41
5,939 53
10,725 03
$234,091 15
116
BOSTON MARINE INSURANCE CO.
Risks and Premiums.
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
Total,
Deduct risks expired and terminated,
In force at end of year, .
Deduct amount reinsured,
Net amount in force, .
<33,996,195 00
25,416,386 00
Premiums.
8393,905 48
282,517 36
$59,412,581 00
27,305,050 00
132,107,531 00
3,595,257 00
5676,422 84
308,266 28
$368,156 56
42,108 58
,512,274 00 $326,047 98
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company, .
Fire losses incurred during the year, ....
Cash dividends declared from .organization of company,
Dividends declared during the year (6 per cent.), .
Company's stock owned by directors, ....
011,512,630 00
8,019,264 00
122,339 00
2,779,500 00
18,000 00
47,100 00
BOSTON MARINE INSURANCE COMPANY, BOSTON.
[Incorporated Dec. 23, 1873. Commenced business Jan. 20, 1874.]
Paid-up Capital, $1,000,000.
RANSOM B. FULLER, President. THOMAS H. LORD, Secretary.
Office, 17 State Street.
Detailed Statement of Stocks and Bonds.
Par Value. Market Value.
Boston city bonds, $125,000 00 $136,525 00
Chicago, Burlington & Quincy R.R. bonds, . 41,000 00 41,525 00
Oregon Short Line Railroad bonds, . . . 10,000 00 10,350 00
Louisville, Evansville & St. Louis R.R. bonds, 2,000 00 2,110 00
Fitch burg Railroad bonds, . . . . 25,000 00 27,125 00
Wisconsin Central Railroad bonds, . . . 20,000 00 8,200 00
Union Pacific, Lincoln & Col. Railroad bonds, 25,000 00 9,500 00
Atch., Topeka & Santa Fe R.R bonds, . . 125,000 00 65,500 00
Toledo, St. Louis & Kansas City R.R. bonds, . 20,000 00 13,500 00
Brookline Gas Light Company bonds, . . 25,000 00 25,250 00
Newton city bonds, 25,000 00 26,875 00
West Shore Railroad bonds, .... 5,000 00 5,350 00
Boston & Lowell Railroad bonds, . . . 25,000 00 25,500 00
Oregon Short Line & Utah No. R.R. stock, . 5,000 00 300 00
Chicago, Burlington & Quincy Railroad stock, 51,000 00 41,580 00
Iron Railway Company stock, .... 29,700 00 14,850 00
Toledo, St. Louis & Kansas City R.R. stock, . 53,000 00 7,420 00
Manchester Mills stock, 20,000 00 20,400 00
Boston & Albany Railroad stock, . . . 20,000 00 41,350 00
Boston & Lowell Railroad stock, . * . . 10,000 00 20,400 00
BOSTON MARINE INSURANCE CO.
117
Fitchburg Railroad stock,
Pullman Palace Car Company stock,
Connecticut & Passnmpsic Railroad stock
Atlantic Bank stock, .
Atlas Bank stock,
Beverly Bank stock, .
Brookline Bank stock,
Columbian Bank stock, .
Commercial Bank stock, .
Continental Bank stock, .
Eagle Bank stock,
Eliot Bank stock,
Exchange Bank stock,
First Bank stock,
First Bank, Salem, stock, .
Freeman's Bank stock,
Globe Bank stock,
Grand Bank, Marblehead, stock,
Hamilton Bank stock,
Hide and Leather Bank stock,
Howard Bank stock, ,
Lincoln Bank stock, .
Mercantile Bank, Salem, stock,
Merchants' Bank stock,
Merchants' Bank, Salem, stock,
Naurnkeag Bank, Salem, stock,
New England Bank stock,
North Bank stock,
Old Boston Bank stock, .
Railroad Bank, Lowell, stock,
Republic Bank stock,
Revere Bank stock, . •
Second Bank stock, .
State Bank stock,
Suffolk Bank stock, .
Tremont Bank stock,
Par Value.
$25,000 00
12,000 00
5,000 00
10,000 00
10,700 00
13,000 00
10,000 00
12,000 00
36,500 00
20,000 00
15,200 00
30,000 00
10,000 00
10,000 00
10,000 00
20,000 00
15,000 00
1,700 00
10,000 00
11,000 00
10,000 00
16,600 00
10,000 00
23,000 00
5,000 00
10,000 00
15,000 00
10,000 00
10,000 00
5,000 00
15,000 00
20,000 00
20,000 00
29,500 00
10,000 00
10,000 00
Market Value.
$22,750 CO
18,690 00
7,150 00
12,000 00
13,161 00
18,947 50
12,025 00
11,700 00
29,200 00
21,350 00
12,578 00
39,000 00
12,150 00
24,050 00
9,012 50
17,650 00
12,862 50
2,010 00
10,725 00
11,715 00
9,200 00
13,280 00
10,762 50
35,132 50
6,700 00
13,500 00
23,418 75
10,737 50
11,050 00
6,612 50
22,800 00
18,100 00
36,200 00
32,228 75
10,600 00
9,300 00
$1,170,900 00 $1,132,019 00
Securities held as collateral for cash loans : —
800 shares Cobb Lime Co., ....
60 " American Fire Hose Mfg. Co.,
30 " Gloucester Gas Light Co.,
5 " National Exchange Bank,
6 " Gloucester National Bank,
25 " Boston & Bangor S.S. Co.,
10 " Rome, Watert'n & Ogdensburg R.R.,,
Market Value. Loaned Thereon.
$48,000 00
3,000 00
4,450 00
607 50
828 00
1,000 00
1,180 00
$25,000 00
2,000 00
2,000 00
1,200 00
750 00
1,000 00
$59,065 50 $31,950 00
118
BOSTON MARINE INSURANCE CO.
Summary of Assets Dec
Cash value of unencumbered real estate,
Loans on mortgage of real estate (first liens*)
Interest due or accrued thereon,
Stocks and bonds, as per schedule, .
Loans on collateral security, as per schedule,
Cash deposited in banks, ,
Interest due and accrued, .
Premiums in course of collection (gross),
Notes taken for marine and inland risks,
Gross assets, ......
Liabilities.
Losses adjusted and reported, .
Unearned premiums on outstanding risks,
Commissions and brokerage, .
Gross liabilities, except capital,
Surplus as regards policy-holders, .
Paid-up capital, ......
Surplus over capital, . ...
Income.
Marine premiums outstanding Dec. 31, 1894, .
Premiums on risks written or renewed, .
Total, .
Premiums now in course of collection, .
31, 1895.
131,740 78
1,059,340 00
5,762 72
1,132,019 00
31,950 00
217,114 22
4,131 83
139,165 52
214,552 56
|803,449 97
85,791 57
$2,835,776 63
$224,349 00
372,064 18
26,528 85
622,942 03
. $2,212,834 60
. 1,000,000 00
. $1,212,834 60
$400,593 00
978,268 37
1,378,861 37
353,718 08
Entire premiums collected, .... $1,025,143 29
Less reinsurance and return premiums, . . 138,632 20
Net cash marine premiums received,
Interest received on mortgages,
Interest and dividends received from all other sources, .
Income from rents,
Gross cash income, ....
Expenditures.
Cash paid for marine and inland losses, .
Deduct salvage and reinsurance,
Net cash paid for marine and inland losses, . -
Cash dividends paid, .....
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for rent and incidentals, .
Gross cash expenditures, ....
586,511 09
41,475 68
56,176 89
2,483 28
,646 94
$717,658 40
100,000 00
32,733 44
54,835 50
6,851 83
60,634 87
$972,714 04
* Total value of property mortgaged,
Insurance held as collateral,
$2,387,900 00
902,305 00
EQUITABLE MARINE INSURANCE CO.
119
Marine risks outstanding Dec. 31, 1894,
Marine risks written during 1895, .
Risks and Premiums.
Premiums.
.$10,171,919 00 S662,450 58
. 57,877,097 00 978,268 37
Total,
Deduct risks expired and terminated,
In force at end of year, .
Deduct amount reinsured,
Net amount in force, .
.$68,049,616 00 81,640,718 95
. 58,629,496 00 1,034,713 37
1,420,120 00 $606,005 58
159,970 00 7,401 39
. $9,260,150 00 $598,604 19
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company, .
Marine and inland losses incurred during the year,
Cash dividends declared from organization of company,
Dividends declared during the year (10 per cent.),
Company's stock owned by directors, ....
$24,323,975 00
17,050,971 00
787,691 00
1,730,000 00
100,000 00
105,100 00
EQUITABLE MARINE INSURANCE COMPANY, PROVINCETOWN.
[Incorporated 1845. Commenced business 1846.]
Paid-up Capital, $50,000.
LTSANDER N. PAINE, President. M. C ATWOOD, Secretary.
Detailed Statement of Stocks
80 shares Freeman's National Bank, Boston,
65
15
15
45
16
24
20
First National Bank, Provincetown,
Revere National Bank, Boston,
State National Bank, Boston, .
National Bank of Republic, Boston,
Hide and Leather Nat'l Bank, Boston,
Boston & Albany Railroad,
Union Pacific Railroad,
Bangor city bonds, .
Cincinnati city bonds,
Kansas City bonds, .
Portsmouth, N. H., city bonds,
Toledo city bonds,
Omaha city bonds, .
Duluth city bonds, .
St. Paul city bonds, .
Columbus, Ohio, city bonds,
and Bonds.
Par Value.
$8,000 00
6,500 00
1,500 00
1,500 00
4,500 00
1,600 00
2,400 00
2,000 00
2,000 00
3,000 00
2,500 00
5,000 00
3,000 00
3,000 00
3,000 00
3,000 00
5,000 00
Market Value.
$7,060 00
7,475 00
1,325 00
1,653 00
6,840 00
1,688 00
4,920 00
80 00
2,320 00
3,620 00
2,625 00
5,000 00
3,232 50
3,150 00
3,180 00
3,240 00
5,125 00
120
EQUITABLE MARINE INSURANCE CO.
New York & New England Railroad bonds,
Chicago & North Western Railroad bonds,
Fitch burg Railroad bonds,
Boston, Revere Beach & Lynn Railroad bonds
New England Mortgage and Security Co.,
Par Value.
$2,000 00
2,000 00
5,000 00
4,000 00
1,000 00
Market Value.
$2,340 00
2,120 00
5,150 00
4,060 00
1,000 00
$71,500 00 $77,203 50
Summary of Assets Dec. 31, 1895.
Stocks and bonds, as per schedule, .
Cash in the office of the company, .
Cash deposited in bank, . . . .
Interest due and accrued, ....
Premiums in course of collection (gross),
Notes taken for marine and inland risks,
Gross assets, .... *
Liabilities.
Losses adjusted, unpaid, .
Losses claimed and reported, •.
Unearned premiums on outstanding risks,
Dividends to stockholders unpaid, .
State and local taxes,
Reinsurance disallowed, .
Gross liabilities, except capital,
Surplus as regards policy-holders, .
Paid-up capital, . . .
Surplus over capital, .
$77,203 50
333
76
8,821
29
552
64
2,854 79
12,276
55
$102,042 53
$1,514
33
5,800
00
25,572
93
2,500
00
225
00
37
50
35,649 76
t ■ •
$66,392 77
50,000 00
• ■ «
$16,392 77
Income.
Marine premiums received,
Interest and dividends received from all sources, .
$31,090 40
3,919 98
Gross cash income, $35,010 38
Expenditures.
Cash paid for marine and inland losses, .
Cash dividends paid,
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for incidentals,
Gross cash expenditures
$26,942
90
2,500 00
2,645
85
1,472
64-
520
19
487
98
$34,569 56
firemen's FIRE INSURANCE CO.
121
Risks and Premiums.
Marine risks outstanding- Dec. 31, 1894,
Marine risks written during 1895, .
Total,
Deduct risks expired and terminated,
In force at end of year,
Deduct amount reinsured,
Net amount in force, .
$408,732 00
629,751 00
$1,038,483 00
610,682 00
$427,801 00
10,050 00
$417,751 00
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company, .
Marine and inland losses incurred during the year,
Cash dividends declared from organization of company
Dividends declared during the year (5 per cent.), .
Company's stock owned by directors,
Premiums.
$26,885 14
35,682 36
$62,567 50
36,163 07
$26,404 43
831 50
,572 93
$495,853 00
352,626 00
32,743 00
57,000 00
2,500 00
10,200 00
FIREMEN'S FIRE INSURANCE COMPANY, BOSTON.
[Incorporated Dec. 21, 1872. Commenced business Dec. 30, 1872.]
Paid-up Capital, $400,000.
THOMAS W. TUCKER, President. HENRY C. SHORT, Secretary.
Office, 43 Kilby Street.
Detailed Statement of Stocks and Bonds.
Boston city bonds,
Fall River city bonds,
Lawrence city bonds,
Quincy city bonds, .
Haverhill city bonds,
Brookline town notes,
Eastern Railroad bonds,
Taunton city bonds,
Boston & Providence Railroad bonds,
Old Colony Railroad bonds,
Boston & Maine Railroad bonds,
Boston & Lowell Railroad bonds,
Boston & Albany Railroad bonds,
Maine Central Railroad bonds,
Chicago, Burlington & Quincy R.R. bonds,
Kan. City, St. Joseph & C. Bluffs R.R. bonds,
Chicago, Burlington & Northern R.R. bonds,
Par Value.
$60,000 00
30,000 00
20,000 00
8,000 00
10,000 00
18,000 00
22,500 00
30,000 00
25,000 00
20,000 00
10,000 00
1,000 00
25,000 00
10,000 00
25,000 00
20,000 00
25,000 00
Market Value.
|62,400 00
32,250 00
20,500 00
8,160 00
10,150 00
18,056 25
26,550 00
31,200 00
26,000 00
20,800 00
10,250 00
1,030 00
25,875 00
10,000 00
24,750 00
24,200 00
25,750 00
122
firemen's FIRE INSURANCE CO.
Cedar Rapids, Iowa Falls & No. W. R.R. bonds,
St. Paul & North Pacific Railroad bonds,
Jackson, Lansing & Saginaw R.R. bonds,
200 shares City National Bank,
200 " Hamilton National Bank,
200 " Eagle National Bank,
53 " Webster National Bank,
200 " Revere National Bank, .
103 " Atlas National Bank,
200 " Boston National Bank, .
12 " Old Boston National Bank,
284 " Atlantic Cotton Mills stock,
Loan to Arlington Mills, .
Loan to American Waltham Watch Co.,
Securities held as collateral for cash loans :
1 share Pacific Mills stock, .
Par Value.
$25,000 00
30,000 00
10,000 00
20,000 00
20,000 00
20,000 00
5,300 00
20,000 00
10,300 00
20,000 00
1,200 00
28,400 00
25,000 00
25,000 00
Market Value.
125,000 00
36,900 00
10,000 00
16,300 00
21,450 00
16,550 00
5,459 00
18,100 00
12,694 75
20,000 00
1,326 00
17,040 00
25,000 00
25,000 00
$619,700 00 8628,741 00
Market Value. Loaned Thereon.
f 1,900 00 $1,000 00
Summary of Assets Dec. 31, 1895.
Loans on mortgage of real estate (first liens*),
Interest accrued thereon, . . .
Stocks and bonds, as per schedule, .
Loans on collateral security, as per schedule,
Cash in the office of the company, .
Cash deposited in banks, ....
Interest due and accrued, ....
Premiums in course of collection (gross) ,
Premiums more than three mos. due, $201 28
Gross assets, ..*...
$211,700 00
2,096 44
628,741 00
1,000 00
522 54
30,338 65
5,651 47
11,817 35
,367 45
Liabilities.
Losses adjusted, unpaid, . .
Losses claimed and reported, .
Total amount of losses, ....
Less reinsurance,
Net amount of unpaid losses, .
Unearned premiums on outstanding risks,
Dividends to stockholders unpaid, .
Due and accrued for rent, salaries, etc., .
State and local taxes, ....
^5,163 73
6,733 83
$11,897 56
66 35
$11,831 21
172,298 62
112 00
1,600 00
1,250 00
* Value of lands mortgaged, . .
Value of buildings thereon, .
Amount of insurance held as collateral,
&371.700 00
213,300 00
284,100 00
firemen's FIRE INSURANCE CO.
123
Commissions and brokerage, .
Return premiums and reinsurance, .
Reinsurance disallowed, .
Gross liabilities, except capital,
Surplus as regards policy-holders, .
Paid-up capital, .
Surplus over capital, .
,847 85
300 00
234 83
,474 51
$702,892 94
400,000 00
$302,892 94
Income.
Fire premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed, .
$12,528 69
123,084 39
Total
Premiums now in course of collection, .
$135,613 08
12,018 63
Entire premiums collected, .
Less reinsurance and return premiums, .
Net cash fire premiums received,
Interest received on mortgages,
Interest and dividends received from all other
Income from all other sources,
$123,594 45
21,540 40
sources, .
Gross cash income,
.
Expenditures.
Cash paid for fire losses,
Deduct salvage and reinsurance,
Net cash paid for fire losses, .
Cash dividends paid, .
Cash paid for commissions and brokerage,
for salaries of officers and employe
for State and local taxes,
for rent and incidentals, .
$53,310 75
575 98
es, .
Gross cash expenditures, .
.
Risks and Pkemiu
MS.
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
$42,760,230 00
13,705,527 00
Deduct risks expired and terminated,
17,170,967 00
In force at end of year,
Deduct amount reinsured, ...
$39,294,790 00
1,281,621 00
$102,054 05
8,703 38
26,722 62
1,403 65
416 17
$139,299 87
$52,734 77
31,968 00
15,994 66
15,876 67
3,880 04
9,515 56
$129,969 70
Premiums.
$406,693 23
123,084 39
$529,777 62
163,632 18
$366,145 44
9,724 98
Net amount in force,
. $38,013,169 00 $356,420 46
124
MERCANTILE FIRE AND MARINE INSURANCE CO.
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company, .
Fire losses incurred during the year, ....
Cash dividends declared from organization of company,
Dividends declared during the year (8 per cent.), .
Company's stock owned by directors
$2,964,312 00
1,515,693 00
57,075 00
677,000 00
32,000 00
24,100 00
MERCANTILE FIRE AND MARINE INSURANCE COMPANY,
BOSTON.
[Incorporated Feb. 11, 1823. Commenced business May, 1823.]
Paid-up Capital, $400,000.
GEO. R. ROGERS, President. JAMES SIMPSON", Secretary.
Office, No. 58 State Street.
Detailed Statement of Stocks and Bonds.
Par Value. Market Value.
100 shares Atlantic National Bank, . . . $10,000 00 $12,000 00
200 " City National Bank, . . . 20,000 00 16,300 00
200 " Columbian National Bank, . . 20,000 00 19,500 00
214 " Eagle National Bank, . . . 21,400 00 17,708 00
300 " Globe National Bank, . . . 30,000 00 25,725 00
120 " Hamilton National Bank, . . 12,000 00 12,870 00
160 " New England National Bank, . 16,000 00 25,160 00
200 " North National Bank, . . . 20,000 00 21,475 00
18 " Railroad National Bank, . . . 1,800 00 2,380 00
178 " State National Bank, . . . 17,800 00 19,446 00
535 " Suffolk National Bank, . . . 53,500 00 56,710 00
200 " Tremont National Bank, . . 20,000 00 18,600 00
200 " Union National Bank, . . . 20,000 00 26,450 00
200 " Boston & Providence Railroad, . 20,000 00 52,700 00
100 " Chicago, Burl. & Quincy Railroad, 10,000 00 7,750 00
100 " Lyman Mills, 10,000 00 8,925 00
Boston city bonds, 10,000 00 10,825 00
Boston & Maine Railroad bonds, . . . 10,000 00 10,450 00
Union Pacific, Lincoln & Colorado R.R. bonds, 25,000 00 8,750 00
Kansas City, Fort Scott & Memphis R.R. bonds, 5,000 00 4,650 00
Oregon Ry. and Navigation Co. bonds, . . 5,000 00 3,500 00
Chicago, Burlington & Quincy R.R. bonds, . 1,000 00 1,007 00
Concord & Montreal Railroad bonds, . . 10,000 00 10,450 00
Old Colony Railroad bonds, .... 10,000 00 10,725 00
City of Cambridge bonds, .... 5,000 00 5,400 00
City of Providence bonds, .... 10,00000 11,35000
MERCANTILE FIRE AND MARINE INSURANCE CO.
125
Boston & Albany Railroad bonds,
Boston & Lowell Railroad bonds,
City of Lowell bonds,
City of Taunton bonds, .
Tar Value.
$15,000 00
5,000 00
5,000 00
5,000 00
Market Value.
$15,862 00
5,150 00
5,475 00
5,400 00
$423,500 00 $152,693 00
Summary of Assets Dec. 31, 1895.
Loans on mortgage of real estate (first liens*),
Interest accrued thereon, .
Stocks and bonds, as per schedule, .
Cash in the office of the company, .
Cash deposited in bank, . . . •
Interest due and accrued, .
Premiums in course of collection (gross),
Notes taken for marine and inland risks,
Gross assets, .....
),000 00
650 09
452,693 00
2,551 59
45,253 34
1,216 67
22,730 67
82 74
$615,178 10
Liabilities.
Losses claimed and reported, .
Losses disputed or resisted,
Unearned premiums on outstanding risks,
Dividends to stockholders unpaid,
Due and accrued for rent, salaries, etc.
Commissions and brokerage, .
Reinsurance and return premiums,
Reinsurance disallowed, .
Gross liabilities, except capital,
Surplus as regards policy-holders,
Paid-up capital, ....
Surplus over capital, .
$23,895 00
1,250 00
147,110 14
198 00
661 34
3,906 03
2,808 91
392 13
180,221 55
$434,956 55
400,000 00
$34,956 55
Income.
Fire premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed, .
Total
Premiums now in course of collection, .
Entire premiums collected,
Less reinsurance and return premiums, .
Net cash fire premiums received,
$21,660 06
236,169 52
$257,829 58
22,730 67
$235,098 91
47,769 82
$187,329 09
* Total value of property mortgaged,
Amount of insurance held as collateral,
$195,200 00
100,000 00
126
MERCANTILE FIRE AND MARINE INSURANCE CO.
Marine premiums outstanding Dec. 31, 1894, . $1,66168
Premiums on risks written or renewed, . . 2,156 03
Total, |3,817 71
Premiums now in course of collection, . 82 74
Net cash marine premiums received, . .
Interest received on mortgages, ......
Interest and dividends received from all other sources, .
Gross cash income,
$3,734 97
3,624 62
18,169 57
5212,858 25
Expenditures.
Cash paid for fire losses,
Cash paid for marine and inland losses, .
Cash dividends paid,
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for rent and incidentals, .
Gross cash expenditures, ....
}7 1,407 83
295 51
23,802 00
42,799 46
19,143 42
3,825 44
16,620 48
',894 14
Risks and Premiums.
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
Total,
Deduct risks expired and terminated,
In force at end of year,
Deduct amount reinsured,
Net amount in force,
Marine risks written during 1895, .
Deduct risks expired and terminated,
$27,968,783 00
21,683,939 00
$49,652,722 00
20,562,759 00
$29,089,963 00
2,902,594 00
Fremiums.
$296,504 01
236,169 52
$532,673 53
207,553 15
$325,120 38
31,283 54
,187,369 00 $293,836 84
$1,594,255 00
1,594,255 00
$2,156 03
2,156 03
Miscellaneous.
Premiums received from organization of company,
Losses paid -from organization of company,
Fire losses incurred during the year, .
Marine and inland losses incurred during the year,
Cash dividends declared from organization of companj',
Dividends declared during the year (6 per cent.), .
Company's stock owned by directors, .
58,163,893 00
5,710,636 00
86,773 00
296 00
2,196,720 00
24,000 00
11,000 00
NORTH AMERICAN INSURANCE CO.
127
NORTH AMERICAN INSURANCE COMPANY, BOSTON.
[Incorporated December, 1872. Commenced business Jan. 1, 1873.]
Paid-up Capital, $200,000.
SILAS PEIRCE, President. CHARLES E. MACULLAR, Secretary.
Office, 59 Kilby Street.
Detailed Statement of Stocks
United States bonds,
Chicago, Milwaukee & St. Paul R.R. bonds,
Chicago, Burlington & Quincy R.R. bonds,
Northern Pacific R.R. bonds, .
Union Pacific Railroad bonds, .
Oregon Railway & Nav. bonds,
Kan. City, Memp. & Birmingham R.R. bonds,
Consolidated Railroad of Vermont bonds,
Ogdensburg & Lake Champlain R.R. bonds,
Boston & Maine Railroad bonds,
138 shares Boston National Bank, .
50 '
100 '
17 '
95 '
29 '
150 «
143 '
50 '
100 '
100 '
; City National Bank,
• Eliot National Bank,
; Exchange National Bank,
8 Globe National Bank,
1 Hide and Leather National Bank,
8 Merchants 1 National Bank, «.
8 Old Boston National Bank,
8 Shoe and Leather National Bank,
8 State National Bank,
8 Suffolk National Bank, .
American Sugar Refinery Co. stock,
Certificate of deposit, ....
Securities held as collateral for cash loans
City of Quincy water bonds,
Mexican Central R.R. bond,
Chicago Junction R R. stock,
West End Railway stock, .
United Gas Co. bonds,
Fitchburg R.R. stock,
and Bonds.
Par Value.
$15,000 00
5,000 00
9,000 00
4,000 00
6,000 00
12,000 00
7,000 00
5,000 00
4,000 00
10,000 00
13,800 00
5,000 00
10,000 00
1,700 00
9,500 00
2,900 00
15,000 00
14,300 00
5,000 00
10,000 00
10,000 00
10,000 00
30,000 00
Market Value.
$16,725 00
6,500 00
8,500 00
4,760 00
3,750 00
13,320 00
2,570 00
4,400 00
4,260 00
11,500 00
13,938 00
4,100 00
13,000 00
2,125 00
8,146 25
3,081 25
23,212 50
15,801 50
4,500 00
11,000 00
10,625 00
10,205 00
30,000 00
|214,200 00 |226,019 50
Market Value. Loaned Thereon.
$550 00 $450 00
660 00 "I
13,950 00 . 2Q 00Q 00
3,350 00 I
5,600 00 J
900 00
$25,010 00 $20,450 00
Summary of Assets Dec 31, 1895.
Cash value of unencumbered real estate, . $46,300 00
Loans on mortgage of real estate (first liens*), 59,060 00
* Value of lands mortgaged, . .
Value of buildings thereon, .
Amount of insurance held as collateral,
$35,250 00
71,000 00
65,650 00
128
NORTH AMERICAN INSURANCE CO.
Interest due or accrued thereon,
Stocks and bonds, as per schedule, .
Loans on collateral security, as per schedule,
Cash in the office of the company, .
Cash deposited in bank, ....
Interest due and accrued,
Premiums in course of collection (gross),
Rents due and accrued, ....
Gross assets, . . .
$921 47
226,019 50
20,450 00
4,816 74
4,431 72
2,590 09
28,065 65
415 00
|393,070 17
Liabilities.
Losses adjusted and reported, .
Less reinsurance, ......
Net amount of unpaid losses, .
Unearned premiums on outstanding risks,
Dividends to stockholders unpaid, .
Commissions and brokerage,. .
Return premiums due, .
Reinsurance disallowed, ....
Gross liabilities, except capital,
Surplus as regards policy-holders, .
Paid-up capital,
Surplus over capital,
$12,712 93
2,920 69
$9,792 24
137,673 81
160 00
4,016 90
270 12
172 05
152,085 12
$210,985 05
200,000 00
$40,985 05
Income.
Fire premiums outstanding Dec. 31, 1894,
Same not collected,
Net collected,
Premiums on risks written or renewed, .
Total,. ......
Premiums now in course of collection, .
Entire premiums collected,
Less reinsurance and return premiums, .
Net cash fire premiums received,
Interest received on mortgages,
Interest and dividends received from all other
Income from rents, . . .
Bank tax refunded,
Gross cash income,
Expenditures.
Cash paid for fire losses, ....
Deduct salvage and reinsurance,
Net cash paid for fire losses, .
$26,894 82
862 75
$26,032 07
227,244 76
$253,276 83
28,065 65
$225,211 18
63,728 24
sources,
,562 42
9,062 21
$161,482 94
2,921 71
9,819 75
1,766 70
572 58
$176,563 68
$79,500 21
SPRINGFIELD FIRE AND MARINE INSURANCE CO.
129
Cash dividends paid,
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for rent and incidentals, .
Gross cash expenditures, ....
$10,890 00
29,578 78
16,700 00
3,603 22
13,895 94
$154,168 15
Risks and Premiums.
Premiums.
Fire risks outstanding Dec. 31, 1894, . . $27,406,192 00 $299,280 04
Fire risks written during 1895, . . . 21,710,044 00 227,244 76
Total,
Deduct risks expired and terminated,
In force at end of year, .
Deduct amount reinsured,
Net amount in force, .
. $49,116,236 00 $526,524 80
. 18,908,312 00 207,734 94
. $30,207,924 00 $318,789 86
. 3,964,132 00 49,853 22
. f 26,243,792 00 $268,936 64
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company,
Fire losses incurred during the year, . .
Cash dividends declared from organization of company,
Dividends declared during the year (b\ per cent.),
Company's stock owned by directors, .
52,737,249 00
1,326,090 00
71,262 00
311,000 00
11,000 00
23,400 00
SPRINGFIELD FIRE AND MARINE INSURANCE COMPANY,
SPRINGFIELD.
[Incorporated 1849. Commenced business 1851.]
Paid-up Capital, $1,500,000.
A. W. DAMON, President.
S. J. HALL, Secretary.
Detailed Statement of Stocks
United States bonds, ....
Amherst (Mass.) Water Co. bonds, .
Ann Arbor (Mich ) Water Co. bonds,
Berkshire (Mass.) Water Co. bonds,
Wakefield (Mass.) Water Co. bonds,
West Springfield (Mass.) Aqueduct Co. bonds
Chicago, Burlington & Quincy R.R. bonds,
Chicago, Burlington & Northern R.R. bonds,
Chicago, Milwaukee & St. Paul R.R. bonds,
Chicago & Northwestern Railroad bonds,
Detroit, Lansing & Northern Railroad bonds,
Kan. City, St. Joe & Council Bluffs R.R.bonds,
and Bonds.
Par Value.
$98,000 00
16,000 00
50,000 00
15,000 00
50,000 00
25,000 00
26,000 00
11,000 00
10,000 00
50,000 00
2,000 00
100,000 00
Market Value.
|102,000 00
16,640 00
54,000 00
15,600 00
54,000 00
27,500 00
26,730 00
11,550 00
12,700 00
57,000 00
1,360 00
123,000 00
130
SPRINGFIELD FIRE AND MARINE INSURANCE CO.
Par Value. Market Value.
New York & Harlem Railroad bonds, . . $10,000 00 $11,400 00
New York, New Haven & Hartford Railroad, 60,000 00 81,600 00
St. Paul, Minneapolis & Manitoba R.R. bonds, 50,000 00 58,500 00
Union Pacific Railroad bonds, .... 47,000 00 45,590 00
1 ,500 shares Boston & Albany Railroad, . . 150,000 00 310,500 00
634 " Chicago & Alton Railroad, . . 63,400 00 101,440 00
750 " Chicago, Burl. & Quincy R.R , . 75,000 00 57,750 00
550 " Chic, Milwaukee & St. Paul RR, 55,000 00 69,850 00
550 " Chic, Rock Island & Pacific R.R., 55,000 00 37,400 00
500 " Conn. & Passumpsic Rivers R R., 50,000 00 52,500 00
563 " Illinois Central Railroad, . . 56,300 00 53,922 00
1,000 " New York & Harlem Railroad, . 50,000 00 140,000 00
2,050 " New York, N. H. & Hart. R.R., . 205,000 00 369,000 00
600 " Pennsylvania Railroad, . . 30,000 00 31,200 00
240 " RomcWatert'n&Ogd'nsb'gR.R., 24,000 00 28,800 00
1 ,000 " West End Street Railway, . . 50,000 00 88,000 00
203 " Agawani Nat'l Bank, Springfield, 20,300 00 20,300 00
100 " Chapin Nat'l Bank, Springfield, . 10,000 00 13,500 00
104 " Chicopee Nat'l Bank, Springfield, 10,400 00 16,120 00
100 " City National Bank, Springfield, 10,000 00 14,700 00
200 " First National Bank, Springfield, 20,000 00 22,000 00
200 " John Hancock Nat'l B'k, Sp'gfi'd, 20,000 00 22,000 00
127 " Pynchon Nat'l Bank, Springfield, 12,700 00 19,050 00
200 " Second Nat'l Bank, Springfield, . 20,000 00 27,000 00
200 " Third Nation! Bank, Springfield, 20,000 00 42,000 00
100 " Atlas National Bank, Boston, . 10,000 00 12,300 00
100 " Boston National Bank, Boston, . 10,000 00 10,000 00
150 " Boylston National Bank, Boston, 15,000 00 19,200 00
100 " Eliot National Bank, Boston, . K',000 00 13,000 00
100 " Freeman's Nation'l Bank, Boston, 10,000 00 8,800 00
300 " Howard National Bank, Boston, . 30,000 00 27,600 00
100 " Merchants' Nat'l Bank, Boston, . 10,000 00 15,300 00
200 " Nat'l B'k of Com'wealth, Boston, 20,000 00 27,600 00
100 " Nat'l B'k of Commerce, Boston, . 10,000 00 11,200 00
100 " National Exchange Bank, Boston, 10,000 00 12,200 00
100 " New England Nat'l Bank, Boston, 10,000 00 15,600 00
100 " Old Boston Nat'l Bank, Boston, . 10,000 00 11,000 00
100 " Shawmut National Bank, Boston, 10,000 00 10,800 00
100 " Tremont National Bank, Boston, 10,000 00 9,300 00
100 " Washington Nat'l Bank, Boston, 10,000 00 10,800 00
100 " Webster National Bank, Boston, 10,000 00 10,300 00
60 " Winthrop National Bank, Boston, 6,000 00 7,860 00
65 " First National Bank, Chicopee, . 6,500 00 9,425 00
67 " Franklin Co. N'l B'k, Greenfield, 6,700 00 ^,035 00
250 " City National Bank, Holyoke, . 25,000 00 28.750 00
50 " First National Bank, Lynn, . . 5,000 00 7,250 00
10 " Monson National Bank, Monson, 1,000 00 1,500 00
20 " Adams National B'k, No. Adams, 2,000 00 2,400 00
SPRINGFIELD FIRE AND MARINE INSURANCE CO.
131
Par Value. Market Value.
60 shares First Natl Bank, Northampton, . $6,000 00 $7,800 00
100 " N'hampton N'l B'k, N'hampton, . 10,000 00 15,000 00
37 " Palmer National Bank, Palmer, . 3,700 00 5,550 00
75 " Ware National Bank, Ware, . 7,500 00 8,250 00
100 " Bank of No. America, New York, 7,000 00 10,150 00
200 " Continental Nat'l B'k, New York, 20,000 00 26,000 00
200 " Fourth Nat'l Bank, New York, . 20,000 00 36,000 00
100 " N'l B'k of Commerce, New York, 10,000 00 20,600 00
100 " St. Paul Nat'l B'k, St. Paul, Minn., 10,000 00 11 ,000 00
$1,968,500 00 $2,665,772 00
Securities held as collateral for cash loans : —
Market Value. Loaned Thereon.
100 shares Nonotuck Paper Co., Holyoke,
1
15
100
413
30
45
17
6
10
Parson's Paper Co., .
West Springfield Aqueduct Co.,
West Springfield Aqueduct Co.,
Thompsonville (Ct.) Water Co.,
West Springfield Aqueduct Co.,
Third National Bank, Springfield,
Springfield Street R.R. Co.,
Shawmut National Bank, Boston,
Citizens' N'l Bank, New Bedford,
$20,000 00
10,000 00
1,875 00
12,500 00
12,390 00
3,750 00
9,450 00
3,400 00
672 00
1,250 00
$25,000 00
1,500 00
10,000 00
10,000 00
3,200 00
6,000 00
1,396 20
$75,287 00 $57,096 20
Summary of Assets Dec. 31, 1895.
Cash value of unencumbered real estate,
Loans on mortgage of real estate (first liens*),
Interest due or accrued thereon,
Stocks and bonds, as per schedule, .
Loans on collateral security, as per schedule, .
Cash in the office of the company, .
Cash deposited in banks,
Interest due and accrued,
Premiums in course of collection (gross),
Rents due and accrued,
Gross assets,
Deduct special deposits in other States, .
$134,000 00
521,725 00
14,325 77
2,665,772 00
57,096 20
15,959 58
171,233 56
24,566 89
239,461 01
1,005 16
1,845,145 17
51,800 00
Balance, . . $3,793,345 17
* Value of lands mortgaged, $384,650 00
Value of buildings thereon, 585,850 00
Amount of insurance held as collateral, . . . 491,950 00
132
SPRINGFIELD FIRE AND MARINE INSURANCE CO.
Liabilities.
Losses adjusted, unpaid, .
claimed and reported, .
disputed or resisted,
Total amount of losses,
Less reinsurance, ....
Net amount of unpaid losses, .
Unearned premiums on outstanding risks
Commissions and brokerage,
Reinsurance disallowed, .
Gross liabilities, except capital,
Deduct liability on special deposits,
Surplus as regards policy-holders, .
Paid-up capital,
Surplus over capital, .
$64,930 92
100,321 85
24,831 75
$190,084 52
5,773 26
|184,3U 26
1,510,305 23
35,919 10
36,071 77
$1,766,607 36
7,502 19
11,759,105 17
52,034,240 00
1,500,000 00
$534,240 00
Income.
Fire premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed,
Total,
Premiums now in course of collection,
Entire premiums collected,
Less reinsurance and return premiums,
Net cash fire premiums received,
Interest received on mortgages,
Interest and dividends received from all other
Income from rents, ....
Gross cash income,
$258,136 00
2,381,762 43
$2,639,898 43
239,461 01
$2,400,437 42
361,296 02
sources,
2,039,141 40
18,334 89
126,761 98
4,838 98
1,189,077 25
Expenditures
Cash paid for fire losses, ....
Deduct salvage and reinsurance,
Net cash paid for fire losses,
Cash dividends paid,
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for incidentals,
Gross cash expenditures, .
L,169,237 83
55,883 76
$1,113,354 07
150,000 00
298,239 78
83,712 00
62,167 47
193,727 31
$1,901,200 63
SPRINGFIELD FIRE AND MARINE INSURANCE CO.
133
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
Risks and Premiums.
Premiums.
$208,733,089 00 82,709,909 26
170,125,800 00 2,381,762 43
Total,
Deduct risks expired and terminated,
In force at end of year, .
Deduct amount reinsured,
Net amount in force,
$378,858,889 00 $5,091,671 69
108,462,668 00 2,091,919 75
$270,396,221 00 $2,999,751 94
8,483,584 00 101,462 45
$261,912,637 00 $2,898,289 49
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company, .
Fire losses incurred during the year, ....
Cash dividends declared from organization of company,
Dividends declared during the year (10 per cent.),
Company's stock owned by directors, ....
$36,395,838 00
22,549,645 00
1,104,892 00
3,254,542 00
150,000 00
138,400 00
AGGREGATE.
Capital Stock.
Whole amount of capital actually paid up in cash,
Gross present assets,
ASSETS;
Liabilities.
Gross present liabilities,
Income.
Cash actually received for fire premiums, .
actually received for marine premiums,
for interest and dividends from all sources,
from all other sources, ....
Gross cash income,
Expenditures.
Cash actually paid during the year for fire losses,
actually paid during the year for marine losses,
dividends to stockholders, ....
for brokerage and commissions on premiums,
for salaries and pay of officers and employees,
for State and local taxes, ....
for office, agency and incidental expenses, .
Gross cash expenditures, ....
Miscellaneous.
Whole amount of fire risks written during the year,
premiums charged or receivable thereon,
marine risks written during the year,
premiums charged or receivable thereon,
fire risks terminated during the year,
marine risks terminated during the year,
fire risks outstanding at end of year,
marine risks outstanding at end of year,
cash dividends declared during the year,
fire losses incurred during the year,
marine losses incurred during the year,
$3,850,000 00
$9,199,631 00
$3,123,266 00
>,725,081 00
921,336 00
338,433 00
13,266 00
•
$3,998,116 00
$1,441,548 00
744,897 00
337,292 00
472,468 00
216,007 00
86,787 00
305,609 00
•
$3,604,608 00
$252,641,696 00
3,250,778 00
60,101,703 00
1,016,106 00
192,409,756 00
60,834,433 00
380,869,241 00
9,677,901 00
337,500 00
1,442,341 00
820,730 00
FIRE, MARINE AND FIRE-MARINE
INSURANCE COMPANIES
OF OTHER STATES.
Detailed Statement of Assets and Liabilities, with Abstract
of Annual Statements for the Year ending
December 31, 1895.
136
JETNA INSURANCE CO.
DETAILED STATEMENTS OF ASSETS AND LIABILITIES
"^TNA INSURANCE COMPANY, 1 ' HARTFORD, CONN.
[Incorporated June, 1819. Commenced business August, 1819.]
Paid-up Capital, $4,000,000.
WM. B. CLARK, President. WM. H. KING, Secretary.
Detailed Statement of Stocks and Bonds.
Par Value. Market Value.
United States bonds, . . . . . . $100,000 00 $107,000 00
Alabama State bonds, 10,000 00 11,000 00
Georgia State bonds, 25,000 00 28,750 00
Mississippi State bonds, 11,000 00 12,650 00
New Hampshire State bonds, .... 43,000 00 47,300 00
Tennessee State bonds 23,000 00 20,470 00
Arizona Territory bonds, . . . . 15,000 00 15,450 00
Hartford County, Conn., bonds, . . . 5,000 00 5,000 00
Mecklenburg County, N. C, bonds, . . . 67,000 00 76,380 00
Spokane Co., Wash., court house and jail b'ds, 25,000 00 26,750 00
Talbot County, Ga., court house bonds, . . 11,000 00 11,550 00
Norwich, Conn., town bonds 100,000 00 126,000 00
Windsor Locks, Conn., town bonds, . . . 10,000 00 10,400 00
Albina, Oregon, city boulevard bonds, . . 25,000 00 28,750 00
Americus, Ga., city p'blic b'ld'g and school b'ds, 6,000 00 6,840 00
Bainbridge, Ga., city academy bonds, . . 8,000 00 8,800 00
Boston, Mass., city bonds, .... 30,000 00 34,500 00
Brooklyn, N. Y., city bonds, .... 9,00000 9,18000
Buffalo, N Y., city bonds, . . . . 50,000 00 62,000 00
City of Sioux Falls, So. Dak., funding bonds, . 25,000 00 25,500 00
Chicago, 111., city bonds, 16,000 00 17,760 00
Chicago sanitary district bonds, . . . 50,000 00 55,000 00
Columbus, Ohio, city improvement bonds, . 14,000 00 14,840 00
Dalles City, Oregon, water bonds, . . . 25,000 00 27,250 00
Dallas, Tex , city water and sewer bonds, . 50,000 00 52,000 00
Dayton, Ohio, city street paving bonds, . . 25,000 00 28,250 00
Fostoria, Ohio, city water bonds, . . . 25,000 00 25,000 00
Fort Wayne, Ind , city bonds, .... 25,000 00 27,000 00
Glenville, Ohio, village bonds 7,000 00 7,140 00
Greensboro', N. C, school bonds, . . . 24,000 00 25,200 00
Greenville, Ala., school bonds, .... 20,000 00 21,000 00
Hamilton, Ohio, city gas works bonds, . . 25,000 00 26,000 00
Hartford, Conn, city bonds, .... 51,00000 54,57000
Jersey City, N. J., city hall bonds, . . . 25,000 00 28,500 00
Kansas City, Kan, improvement bonds, . . 44,500 00 47,615 00
^ETNA INSURANCE CO.
137
Lexington, Ky., city bonds,
Lockport, N. Y., city bonds,
Montreal, Canada, corporation stock,
Montreal, Canada, harbor bonds,
Newark, N. J., city bonds,
New Brunswick, N. J., water bonds,
Ogden City, Utah, improvement bonds,
Port of Portland, Oregon, gold bonds,
Providence, R. L, city bonds,
Rahway, N. J., city bonds,
Richmond, Va., city bonds,
Roanoke, Va., city bonds, .
Seattle, Wash., city bonds,
St. Louis, Mo., city gold bonds
Superior, Wis., city gold bonds,
Tacoma, Wash., city water and light bonds,
Toledo, Ohio, city special bonds,
Topeka, Kansas, city funding bonds,
Urbana, Ohio, city bonds,
Watsonville, Cal., school bonds,
Winston, N. C, city bonds,
Brooklyn Wharf & Wharehouse Co. bonds,
Central safety deposit bonds, Chicago, .
Tacoma safety deposit bonds, Chicago, .
North-East School Dis., Hart., Conn., bonds,
School District No. 2, Enfield, Conn., bonds,
School Dis. No 1, County of Pueblo, Col., b'ds,
School District No. 24, Woodbridge, N. J.,b'ds,
State of 111., Mason & Tazewell Drain. Dis. b'ds,
The Y. M. Ch. Ass'n, Wilmington, N. C, b'ds,
Underwriters 1 Pro. Asso.of Newark, N.J., b 1 ds,
Albany & Susquehanna R R. bonds,
Alabama Central R.R. bonds, .
Atchison, Colorado & Pacific R.R bonds,
Akron & Chicago Junction R.R. bonds, .
Buffalo & Erie R R. bonds,
Buffalo, New York & Erie R.R. bonds, .
Canadian Pacific Railway Co. Land Grant,
Centralia & Chester R R. bonds, . .
Chesapeake & Ohio R.R. bonds,
Cleve., Col., Cin. & Indianapolis R.R. bonds
Chicago, Burlington & Quincy R.R. bonds,
Chicago, Milwaukee & St. Paul R.R. bonds,
Chicago & Northwestern R.R. bonds,
Chicago, R. I. & Pacific R R. bonds, .
Chicago & Western Indiana R.R. bonds,
Cincinnati, Dayton & Ironton R.R. bonds,
Cincinnati, Hamilton & Dayton R.R. bonds,
Par Value.
$50,000 00
25,000 00
19,000 00
4,000 00
50,000 00
8,000 00
18,000 00
50,000 00
50,000 00
22,000 00
44,750 00
30,000 00
50,000 00
50,000 00
25,000 00
25,000 00
13,000 00
25,000 00
25,000 00
13,000 00
25,000 00
50,000 00
50,000 00
50,000 00
20,000 00
4,000 00
25,000 00
6,000 00
9,000 00
20,000 00
1,000 00
100,000 00
25,000 00
50,000 00
25,000 00
46,000 00
20,000 00
100,000 00
25,000 00
50,000 00
85,000 00
162,000 00
195,000 00
155,000 00
160,000 00
103,000 00
25,000 00
82,000 00
Market Value.
$54,500 00
26,750 00
20,900 00
4,000 00
50,500 00
8,800 00
18,360 00
54,500 00
56,000 00
19,250 00
49,007 50
31,500 00
51,500 00
53,000 00
25,750 00
25,750 00
14,690 00
26,500 00
25,000 00
13,600 00
25,000 00
52,500 00
52,500 00
55,000 00
20,000 00
4,000 00
25,000 00
6,240 00
9,900 00
20,000 00
1,000 00
124,500 00
28,250 00
20,000 00
25,750 00
49,680 00
27,400 00
112,000 00
23,750 00
48,500 00
108,250 00
174,850 00
242,300 00
199,550 00
183,600 00
119,210 00
27,000 00
92,220 00
138
JETNA INSURANCE CO.
Columbus & Toledo R.R. bonds,
Connecticut River R.R. coupon scrip,
Dayton & Western R.R. bonds,
Delaware & Hudson Canal Co. bonds,
Flint & Pere Marquette R.R. bonds, .
Hartford Street Railway bonds,
Harlem River & Port Chester R.R. bonds
Indiana & Lake Michigan R.R. bonds,
Iowa Midland R.R. bonds,
Kansas Pacific R.R. bonds,
Keokuk & Des Moines R.R. bonds, .
Lake Shore R.R. bonds, .
Lake Shore & Mich. Southern R.R. bonds,
Louisville, New Albany & Chicago R.R. bonds
Louisiana & Missouri River R.R. bonds, .
Mahoning Coal R.R. bonds,
Michigan Central R.R. bonds, .
Minneapolis & St. Louis R.R. bonds,
Minneapolis Union R.R. bonds,
Morris & Essex R.R. bonds,
New York Central & Hudson River R.R. b'ds
New York & Harlem R.R. bonds,
New York, Lake Erie & Western R.R. bonds
New York & New England R.R. bonds, .
N. Y , New Haven & Hartford R.R. certs.,
Norfolk & Western R.R. bonds,
Northwestern Union R R. bonds,
Oswego R.R. Bridge Co. bonds,
Ohio & West Virginia R.R. bonds, .
Pittsburg, Ft. Wayne & Chicago R.R. bonds,
Quincy, Alton & St. Louis Railway bonds,
St. Paul, Minneapolis & Manitoba R.R. bonds
St. Paul & Northern Pacific R.R. bonds, .
St. Paul & Sioux City R.R. bonds, .
Terre Haute & Peoria R.R. bonds, .
Toledo & Ohio Central R.R. bonds, .
Vermont Valley R.R. bonds, .
Wabash R.R. bonds,
West Chicago Street R.R. tunnel bonds, .
West Shore R.R. bonds, ....
Loan and Guarantee Co. of Connecticut bonds
Atlantic Mutual Insurance Company scrip,
400 shares American Telegraph and Cable,
300 " Internat'l Ocean Telegraph Co.,
50 " Connecticut River Co., .
10 " Underwriters 1 Salvage Co., N. Y.
500 " Albany- & Susquehanna Railroad
250 " Bald Eagle Valley Railroad Co.,
Par Value.
$84,000 00
15,000 00
28,000 00
25*000 00
50,000 00
50,000 00
150,000 00
50,000 00
25,000 00
25,000 00
40,000 00
30,000 00
95,000 00
25,000 00
25,000 00
30,000 00
50,000 00
25,000 00
50,000 00
135,000 00
175,000 00
10,000 00
45,000 00
50,000 00
75,000 00
50,000 00
25,000 00
50,000 00
26,000 00
196,000 00
25,000 00
9,000 00
50,000 00
20,000 00
25,000 00
25,000 00
50,000 00
25,000 00
50,000 00
50,000 00
10,000 00
63,010 00
40,000 00
30,000 00
5,000 00
1,000 00
50,000 00
12,500 00
Market Value.
$98,770 00
15,000 00
31,920 00
36,000 00
46,250 00
51,000 00
182,000 00
51,000 00
29,500 00
18,750 00
42,000 00
33,900 00
116,900 00
27,500 00
28,750 00
35,400 00
59,375 00
31,875 00
62,000 00
191,700 00
217,000 00
11,550 00
65,700 00
63,500 00
102,750 00
60,500 00
34,250 00
57,500 00
31,460 00
268,780 00
25,000 00
9,900 00
62,000 00
25,800 00
25,000 00
27,625 00
52,500 00
26,500 00
51,000 00
53,250 00
10,000 00
66,160 50
37,200 00
33,000 00
1,000 00
1,000 00
87,500 00
25,000 00
JETNA INSURANCE CO.
139
150 shares Central Ohio Railroad Co., .
750 " Cleve., C, C. & St. L. Railroad,
1,000 " Cleveland & Pittsburg Railroad,
240 " Chicago, Burl. & Quiney R.R.,
220 " Chic., Rock Island & Pacific R.R.
300 " Connecticut River Railroad Co.,
500 " Conn. & Passumpsic Rivers R.R.,
300 " Dayton & Michigan Railroad Co.
400 " Fort Wayne & Jackson R.R. Co ,
100 " Joliet & Chicago Railroad Co.,
200 " Kalamazoo, Alle.&G.R. R.R. Co.
200 " Keokuk & Des Moines R.R. Co.,
1,000 " Morris & Essex Railroad Co.,
800 " N. Y. C. & Hudson River R R. Co.
500 " New York & Harlem R R. Co ,
1,875 " N. Y., N. H. & Hartford R.R. Co
1,000 " Northwest Telegraph Company,
200 " Oswego & Syracuse R.R. Co.,
750 " Pitts., Ft. Wayne & Chic. R.R. Co.
150 " Peoria & Bureau Valley R.R. Co.
600 " Rensselaer & Saratoga R.R. Co.,
200 " Valley (New York) Railroad Co.
200 " JEtnaN'l Bank, Hartford, Conn.,
200 " American N'l Bank, Hart., Conn.
400 " Charter Oak N'l B'k, Hart., Conn.
170 " City Bank of Hartford, Conn ,
150 " Conn. River B'k'g Co., Ht , Conn
350 " Farm. & Meeh. N'l B'k, Ht., Conn
200 " First Nat'l Bank, Hart., Conn.,
1,000 " Hartford N'l Bank, Hart., Conn.,
550 " N'l Exchange B'k, Hart , Conn.,
1,000 " Phoenix Nat'l B'k, Hart., Conn.,
550 " State Bank, Hart , Conn.,
400 " American Ex. Nat'l Bank, N. Y.,
400 " B'k of the Manhattan Co., N. Y.,
300 " B'k of N. Y. N'l B'g Asso., N.Y ,
100 " Hanover National Bank, N. Y.,
300 " Importers & Trad. N'l B'k, N. Y
100 " Market & Fulton N'l B'k, N. Y.,
700 " Merchants' National Bank, N. Y.,
120 " Merchants' Ex. N'l Bank, N. Y.,
1,200 " Mechanics' Nat'l Bank, N Y.,
400 " Metropolitan Nat'l Bank, N. Y.,
200 " Nassau Bank, New York, .
500 " Nat'l Bank of Commerce, N. Y.,
200 " N'l B'k of North America, N. Y ,
150 " N'l Bank of the Republic, N. Y.,
300 " N'l Butchers & Drovers Bk, N.Y
Par Value.
$7,500 00
75,000 00
50,000 00
24,000 00
22,000 00
30,000 00
50,000 00
15,000 00
40,000 00
10,000 00
20,000 00
20,000 00
50,000 00
80,000 00
25,000 00
187,500 00
50,000 00
10,000 00
75,000 00
15,000 00
60,000 00
20,000 00
20,000 00
10,000 00
40,000 00
17,000 00
4,500 00
35,000 00
20,000 00
100,000 00
27,500 00
100,000 00
55,000 00
40,000 00
20,000 00
30,000 00
10,000 00
30,000 00
10,000 00
35,000 00
6,000 00
30,000 00
40,000 00
10,000 00
50,000 00
14,000 00
15,000 00
7,500 00
Market Value.
$3,900 00
70,500 00
83,500 00
18,240 00
14,740 00
75,000 00
52,500 00
27,000 00
50,000 00
16,500 00
26,000 00
3,600 00
83,500 00
78,400 00
70,000 00
337,500 00
56,000 00
20,400 00
125,250 00
26,250 00
109,200 00
22,200 00
28,000 00
14,000 00
40,000 00
17,850 00
6,300 00
40,250 00
22,400 00
145,000 00
35,750 00
120,000 00
60,500 00
68,800 00
40,000 00
70,500 00
32,000 00
162,000 00
22,000 00
48,300 00
7,200 00
58,500 00
2,000 00
17,100 00
105,000 00
19,600 00
24,000 00
11,250 00
140
.ETNA INSURANCE CO.
Par Value. Market Value.
100 shares National City Bank, N. Y., . . $10,000 00 $15,000 00
300 " Phenix National Bank, N. Y., . 6,000 00 7,020 00
200 " Peoples 1 Bank, N. Y., . . . 5,000 00 12,500 00
100 " Third National Bank, N. Y., . 10,000 00 10,600 00
250 " Farm. &Mech.N , lB , k,Phila.,Pa., 25,000 00 27,750 00
100 " First N'l Bank, Albany, N. Y., . 10,<>00 00 16,500 00
100 " New Britain N'l B'k, N B., Conn., 10,000 00 16,000 00
100 " Central Trust Company, N. Y., . 10,0<)0 00 105,000 00
100 " Holland Trust Company, N. Y., . 10,000 00 10,000 00
100 " Metropolitan Trust Co., N. Y., . 10,000 00 30,000 00
150 " N.Y. Life Ins. & Trust Co., N.Y., 15,000 00 120,000 00
100 " United States Trust Co., N. Y., . 10,000 00 104,000 00
100 " Union Trust Company, N. Y., . 10,000 00 72,000 00
$7,392,260 00 $9,526,068 00
Securities held as collateral for cash loans : —
25 shares National Bank of Commerce, N. Y.,
25
2
3
2
2
10
4
Mechanics National Bank, N. Y.,
American Bell Telephone Co., .
Chicago, Burlington & Quincy R.R.,
Manhattan Railway Co., .
National New Haven Bank,
NeAv York & New Jersey Tel. Co , .
Nat 1 ! Pipe Bending Co., New Haven,
Market Value.
Loaned Thereon.
$5,250 00 i
1,218 75 (
. $3,600 00
400 00^
228 00
200 00
340 00
> 2,000 00
1,210 00
400 00,
i
>,246 75 $5,600 00
Summary of Assets Dec. 31, 1895.
Cash value of unencumbered real estate,
Loans on mortgage of real estate (first liens*),
Interest due or accrued thereon,
Stocks and bonds, as per schedule, .
Loans on collateral security, as per schedule, .
Cash in the office of the company, .
Cash deposited in bank, .....
Interest due and accrued,
Premiums in course of collection (gross),
Gross assets,
Deduct special deposits in other States, .
$200,000 00
36,000 00
300 45
9,526,068 00
5,600 00
1,865 04
750,647 93
387 50
572,994 11
$11,093,863 03
255,837 50
Balance $10,838,025 53
* Value of lands mortgaged $37,000 00
Value of buildings thereon, 38,000 00
Amount of insurance held as collateral, . . . 26,500 00
iETNA INSURANCE CO.
141
Liabilities.
Losses adjusted, unpaid, .
claimed and reported, .
disputed or resisted,
Total amount of losses, .
Less reinsurance, ....
Net amount of unpaid losses, .
Unearned premiums on outstanding risks
Reclaimable on perpetual fire policies,
Due and accrued for rent, salaries, etc.,
Commissions and brokerage, .
Return premiums and reinsurance, .
Reinsurance disallowed, .
Gross liabilities, except capital,
Deduct liability on special deposits, .
Surplus as regards policy-holders, .
Paid-up capital,
Surplus over capital, .
$61,200 73
319,673 52
52,296 01
$433,170 26
34.595 07
$398,575 19
3,026,590 39
51,306 39
1,000 00
96.596 23
65,411 47
201,356 30
^3,840,835 97
150,695 77
$3,690,140 20
. $7,147,885 33
. 4,000,000 00
1,147,885 33
Income.
Fire premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed, .
Total, ... . .
Premiums now in course of collection,
Entire premiums collected,
Less reinsurance and return premiums, .
Net cash fire premiums received, .
Marine premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed, .
Total,
Premiums now in course of collection,
Entire premiums collected,
Less reinsurance and return premiums, .
Net cash marine premiums received,
Interest received on mortgages,
Interest and dividends received from all other
Income from rents, .....
Deposits received for perpetual fire risks,
Gross cash income,
$587,308 47
4,471,475 63
$5,058,784 10
533,583 86
$4,525,200 24
830,709 68
$3,694,490 56
>,957 18
178,847 97
$278,805 15
39,410 25
$239,394 90
49,809 41
sources, .
$3,863 79
189,585 49
1,960 00
472,880 18
3,638 82
1,362,555 05
142
^ETNA INSURANCE CO.
Expenditures.
Cash paid for fire losses, .
Deduct salvage and reinsurance,
Net cash paid for fire losses, .
Cash paid for marine and inland losses,
Deduct salvage and reinsurance,
Net cash paid for marine and inland losses,
Cash dividends paid, . . .
Cash paid for commissions and brokerage,
for salaries of officers and employe
for State and local taxes,
for incidental expenses, .
Deposits returned on perpetual fire risks,
Gross cash expenditures, .
$2,217,598 30
167,866 11
$157,505 13
36,600 44
es,
fl,256 81
5,049,732 19
120,904 69
720,000 00
613,902 37
258,304 42
75,520 71
265,356 22
t,103,720 60
Risks and Premiums.
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
Total,
Deduct risks expired and terminated,
In force at end of year, .
Deduct amount reinsured,
Net amount in force, .
Perpetual risks in force (not included
above),
Marine risks outstanding Dec. 31, 1894,
Marine risks written during 1895, .
Total,
Deduct risks expired and terminated,
In force at end of year, .
Premiums.
$502,962,742 00 $6,214,674 92
359,336,124 00 4,471,475 63
$862,298,866 00 $10,686,150 55
343,175,067 00 4,373,988 07
$519,123,799 00 $6,312,162 48
36,060,752 00 440,716 44
$483,063,047 00 $5,871,446 04
2,327,728 00 54,006 72
$3,721,045 00 $104,235 27
63,412,287 00 178,847 97
,133,332 00 $283,083 24
64,645,977 00 199,538 16
J,487,355 00
,545 08
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company,
Fire losses incurred during the year, . .
Inland losses incurred during the year, ....
Cash dividends declared from organization of company,
Dividends declared during the year (18 per cent.), .
Company's stock owned by directors, ....
$136,547,381 00
77,313,154 00
2,043,574 00
139,324 00
22,193,365 00
720,000 00
363,900 00
AGRICULTURAL INSURANCE CO.
143
« AGRICULTURAL INSURANCE COMPANY," WATERTOWN, N. Y.
[Incorporated 1853.* Commenced business February, 1853.]
Paid-up Capital, $500,000.
JEA.N R. STEBBINS, President. H. M. STEVENS, Secretary.
Detailed Statement of Stocks and Bonds.
Union Pacific R.R. bonds, .
City of Kingston bonds,
City of Richmond bonds,
Dexter Sulphite Pulp and Paper Co. bonds, .
New York Central & Hudson River R.R. stock,
Western Union Telegraph stock,
National Union Bank stock,
Watertown National Bank stock,
Excelsior Carriage Co stock, . ,,
Union Building & Loan Co. cert., .
Securities held as collateral for cash loans : —
Bagley & Sewall Co. stock,
Barber Asphalt Paving Co. stock,
Batopilas Mining Co bonds,
Watertown Spring Wagon Co. stock,
Chicago & Alton R.R. stock, .
First National Bank of Carthage stock, .
National Bank of Fayetteville stock,
Felts Mills Paper Co stock,
Rome, Watertown & Ogdensburg R.R. stock,
Remington Paper Co. stock,
First National Bank of Frankfort stock, .
First National Bank of Herkimer stock, .
Watertown Steam Engine Co. stock,
Watertown National Bank stock,
Hudson River Pulp & Paper Co. stock, .
Watertown National Bank stock,
Ontario Paper Co. stock, .
Remington Paper Co. stock,
Utica City National Bank stock,
N Y. Central & Hudson River R.R. stock,
International Pulp Co. stock, .
Deeds of real estate,
; Real estate mortgages, ....
Par Value.
$2,000 00
141,600 00
27,000 00
5,000 00
20,000 00
128,500 00
13,600 00
10,500 00
2,500 00
10,000 00
Market Value.
$2,072 50
152,928 00
27,000 00
5,000 00
19,425 00
110,510 00
22,100 00
19,425 00
2,500 00
10,000 00
$360,700 00 $370,960 50
Market Value.
$23,700 00
12,000 00
4,000 00
7,700 00
6,820 00
6,250 00
1,667 50
5,200 00
5,800 00
3,000 00
11,250 00
12,150 00
10,290 00
2,775 00
30,000 00
1,850 00
3,700 00
11,900 00
2,000 00
5,341 87
1,000 00
25,000 00
46,660 50
Loaned Thereon.
$10,000 00
8,000 00
7,000 00
3,899 91
5,000 00
1,450 00
3,500 00
2,500 00
2,046 45
' 18,000 00
9,000 00
2,100 00
25,000 00
3,650 00
5,000 00
6,000 00
1,000 00
19,137 40
37,610 50
$240,054 87 $169,894 26
* Organized as mutual 1853; incorporated as stock 1863.
144
AGRICULTURAL INSURANCE CO.
Summary of Assets Dec. 31, 1895.
Cash value of unencumbered real estate, . $297,595 00
Loans on mortgage of real estate (first liens*), 1,093,669 30
Interest due or accrued thereon, . . . 35,708 07
Stocks and bonds, as per schedule, . . . 370,960 50
Loans on collateral security, as per schedule, . 169,894 26
Cash in the office of the company, . . . 10,728 70
Cash deposited in bank, 127,928 28
Interest due and accrued, 9,824 06
Premiums in course of collection (gross), . 177,379 91
Notes taken for fire risks, . . . . 711 82
Reinsurance due, 7,180 64
Gross assets,
Deduct special deposits in other States,
Balance,
1,301,580 54
179,928 00
1,121,652 54
Liabilities.
Losses adjusted, unpaid, .
claimed and reported, .
disputed or resisted,
Unearned premiums on outstanding risks,
Dividends to stockholders unpaid, .
Commissions and brokerage, .
Return premiums and reinsurance, .
Reinsurance disallowed, .
Gross liabilities, except capital,
Deduct liability on special deposits,
Surplus as regards policy-holders, .
Paid-up capital,
Surplus over capital, .
$36,903 46
50,489 66
31,772 00
1,327,401 27
75 00
39,549 21
5,217 69
7,461 00
$1,498,869 29
81,516 00
1,417,353 29
$704,299 25
500,000 00
$204,299 25
Income.
Fire premiums outstanding Dec. 31, 1894,
Same not collected, ....
Net collected, ....
Premiums on risks written or renewed,
Total,
Premiums now in course of collection,
Entire premiums collected,
Less reinsurance and return premiums,
Net cash fire premiums received,
$170,436 70
5,433 24
$165,003 46
1,386,695 00
51,551,698 46
177,379 91
(1,374.318 55
330,028 88
$1,044,289 67
* Total value of property mortgaged,
$2,374,482 00
ALBANY INSURANCE CO.
145
Interest received on mortgages,
Interest and dividends received from all other sources, .
Income from rents,
173,493 52
27,945 49
3,419 89
Gross cash income, $1,149,148 57
Expenditures.
Cash paid for fire losses, .
Deduct salvage and reinsurance,
Net cash paid for fire losses, .
Cash dividends paid,
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for incidentals, ....
Gross cash expenditures, ....
Risks and Premiums.
$593,981 84
41,366 82
$552,615 02
49,980 00
208,842 57
125,601 85
24,570 50
99,552 17
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895, .
Total
Deduct risks expired and terminated,
In force at end of year,
Deduct amount reinsured,
Net amount in force, .
$286,620,618 00
157,565,000 00
1444,185,618 00
155,226,171 00
$288,959,447 00
11,625,400 00
.,061,162 11
Premiums.
$2,819,119 52
1,386,695 00
$4,205,814 52
1,437,726 65
$2,768,087 87
107,945 00
$ 277,334,047 00 $2,660,142 87
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company,
Fire losses incurred during the year, .
Cash dividends declared from organization of company,
Dividends declared during the year (10 per cent.), .
Company's stock owned by directors, .
$19,480,301 00
9,588,859 00
557,992 00
1,080,000 00
50,000 00
205,700 00
" ALBANY INSURANCE COMPANY," ALBANY, N. Y.
[Incorporated March 8, 1811. Commenced business March 16, 1811. Reorganized June 1, 1881.]
Paid-up Capital, $250,000.
JOHN HOWARD KINO, President. RICHARD V. DE WITT, Secretary.
Detailed Statement of Stocks and Bonds.
Par Value. Market Value.
Watervliet Turnpike and Railroad bonds, . $6,000 00 $6,900 00
Northern Pacific Railroad bonds, . . . 20,000 00 22,900 00
Albany & Susquehanna Railroad bonds, . . 25,000 00 29,500 00
West Shore Railroad bonds, .... 41,000 00 42,845 00
146
ALBANY INSUKANCE CO.
New York Central Railroad bonds, .
Wabash Railroad Company bonds, .
Municipal Gas bonds, Albany, N. Y.,
Union Railroad company bonds,
Par Value.
$34,000 00
6,000 00
1,000 00
10,000 00
Market Value.
$35,250 00
5,700 00
1,100 00
10,500 00
$143,000 00 $154,695 00
Summary of Assets Dec. 31, 1895.
Cash value of unencumbered real estate, . $12,560 41
Loans on mortgage of real estate (first liens*), 235,650 00
Interest due or accrued thereon, . . . 1,222 30
Stocks and bonds, as per schedule, . . . 154,695 00
Cash in the office of the company, . . . 5,566 99
Cash deposited in bank, . . . . . 24,030 67
Premiums in course of collection (gross), . 8,667 61
Bills receivable, 2,043 47
Gross assets,
$444,436 45
Liabilities.
Losses adjusted, unpaid, ....
claimed and reported, .
disputed or resisted,
Unearned premiums on outstanding risks,
Due and accrued for rent, salaries, etc., .
Commissions and brokerage, .
Gross liabilities, except capital,
Surplus as regards policy-holders, .
Paid-up capital,
Surplus over capital,
$520 25
6,520 05
2,300 00
78,552 62
166 67
1,977 89
90,037 48
f 354,398 97
250,000 00
$104,398 97
Income.
Fire premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed, .
Total,
Premiums now in course of collection, .
Entire premiums collected,
Less reinsurance and return premiums, .
Net cash fire premiums received,
Interest received on mortgages,
Interest and dividends received from all other
Income from all other sources,
Gross cash income, ....
$3,734 13
132,895 38
$136,629 51
8,667 61
127,961 90
14,803 14
sources,
$113,158 76
13,883 13
5,570 00
3,844 50
$136,456 39
* Value of lands mortgaged,
Value of buildings thereon,
Amount of insurance held as collateral,
$186,200 00
357,550 00
273,450 00
AMERICAN INSURANCE CO.
147
Expenditures.
Cash paid for fire losses, . . . m .
Deduct salvage and reinsurance,
Net cash paid for fire losses, ....
Cash dividends paid,
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes, .
for incidentals, ....
Gross cash expenditures, ....
Risks and Premiums.
$50,585 72
2,756 37
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
Total,
Deduct risks expired and terminated
In force at end of year,
Deduct amount reinsured, ,
Net amount in force, .
$17,178,490 00
12,119,281 00
$29,297,771 00
12,081,773 00
$17,215,998 00
568,708 00
$47,829 35
30,000 00
21,292 58
10,526 42
10,529 75
4,179 55
$124,357 65
Premiums.
$167,439 42
132,895 38
$300,334 80
134,248 14
$166,086 66
5,870 89
$16,647,290 00 $160,215 77
Miscellaneous.
Premiums received from reorganization of company, .
Losses paid from reorganization of company,
Fire losses incurred during the year, ....
Cash dividends declared from reorganization of company,
Dividends declared during the year (12 per cent.), .
Company's stock owned by directors, ....
$1,384,509 00
755,004 00
46,193 0Q
305,000 00
30,000 00
60,250 00
" AMERICAN INSURANCE COMPANY," NEWARK, N. J.
[Incorporated Feb. 20, 1846. Commenced business April 1, 1846.]
Paid-up Capital, $600,000.
F. H. HARRIS, President.
Detailed Statement of Stocks
United States bonds,
North Hudson County, N. J., Railroad bonds,
United New Jersey R.R. and Canal Co. bonds,
Morris & Essex Railroad bonds,
Lehigh Valley Railroad bonds,
Long Dock (Jersey City) bonds,
Newark Gas Company bonds, ....
J. H. WORDEN, Secretary.
and Bonds.
Par Value.
$100,000 00
100,000 00
100,000 00
88,000 00
110,000 00
100,000 00
50,000 00
Market Value.
$110,000 00
104,000 00
112,000 00
123,640 00
124,300 00
128,000 00
62,500 00
$648,000 00 $764,440 00
148
AMERICAN INSURANCE CO.
Summary op Assets Dec. 31, 1895.
Cash value of unencumbered real estate, . . $253,977 20
Loans on mortgage of real estate (first liens*), 1,470,422 06
Interest clue or accrued thereon,
Stocks and bonds, as per schedule,
Cash in the office of the company,
Cash deposited in bank, .
Interest due and accrued, .
Premiums in course of collection (gross),
Rents due and accrued,
American Insurance Co. stock, . $70,000 00
Premiums more than three mos. due, 488 52
Gross assets, . . . .
23,408 95
764,440 00
2,747 60
33,091 03
8,971 66
44,747 94
1,992 85
$2,603,799 29
Liabilities.
Losses adjusted, unpaid, ....
claimed and reported, .
disputed or resisted,
Total amount of losses, ....
Less reinsurance, . . . .
Net amount of unpaid losses, .
Unearned premiums on outstanding risks,
Dividends to stockholders unpaid, .
Dividends to policy-holders unpaid, .
Commissions and brokerage, .
Reinsurance disallowed, ....
Gross liabilities, except capital,
Surplus as regards policy-holders, .
Paid-up capital,
Surplus over capital, .
$14,477 97
31,359 12
6,900 00
$52,737 09
1,332 74
$51,404 35
483,073 82
5,150 15
2,041 00
8,699 06
332 33
550,700 71
$2,053,098 58
600,000 00
$1,453,098 58
Income.
Fire premiums outstanding Dec. 31, 1894,
Same not collected, .....
Net collected,
Premiums on risks written or renewed, .
Total,
Premiums now in course of collection,
Entire premiums collected,
Less reinsurance and return premiums, .
Net cash fire premiums received,
$40,990 06
475 79
),514 27
666,794 05
$707,308 32
45,236 46
$662,071 86
139,253 90
$522,817 96
* Total value of property mortgaged,
Amount of insurance held as collateral,
^3,764,070 00
1,858,460 00
AMERICAN CENTRAL INSURANCE CO.
149
Interest received on mortgages, ....
Interest and dividends received from all other sources,
Income from rents,
$76,641 78
35,753 18
1,341 10
Gross cash income,
Expenditures.
Cash paid for fire losses,
Deduct salvage and reinsurance,
Net cash paid for fire losses, ....
Cash dividends paid stockholders, .
Cash dividends paid policy-holders,
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for incidentals, ....
$239,547 48
11,940 19
Gross cash expenditures,
$636,554 02
$227,607 29
59,580 25
1,645 00
97,232 85
50,176 34
21,736 64
31,265 59
$489,243 96
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
Risks and Premiums.
Premiums.
$105,714,667 00 $1,000,573 64
68,458,777 00 666,794 05
Total,
Deduct risks expired and terminated,
In force at end of year, .
Deduct amount reinsured,
Net amount in force, .
.74,173,444 00 $1,667,367 69
67,216,248 00 668,601 96
$106,957,196 00 $998,765 73
3,967,065 00 39,897 05
$102,990,131 00 $958,868 68
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company,
Fire losses incurred during the year,
Cash dividends declared from organization of company
Dividends declared during the year (10 per cent.), .
Company's stock owned by directors,
^9,328,359 00
3,820,259 00
230,500 00
2,042,360 00
60,000 00
28,935 00
"AMERICAN CENTRAL INSURANCE COMPANY," ST. LOUIS, MO.
•[Incorporated February, 1853. Commenced business February, 1853.]
GEORGE T. CRAM, President. JNO. H. ADAMS, Secretary.
Paid-up Capital, $600,000.
Detailed Statement of Stocks and Bonds.
Commonwealth Realty Co. bonds, .
St. Louis Merchants 1 Bridge Co. bonds, .
Union Depot Railroad Co. bonds,
Par Value. Market Value.
$100,000 00 $100,000 00
75,000 00 78,000 00
50,000 00 54,000 00
150
AMERICAN CENTRAL INSURANCE CO.
St. Clair, Madison & S. L. Belt R.R. Co. bonds,
Laclede Gas Light Co. bonds, .
St. Louis C, B. & O. Railway bonds,
St. Louis County Park bonds, .
Jerseyville, 111., bonds,
Mo. Electric Light & Power Co. bonds,
Norborne, Mo., school bonds, .
School Dist. No. 1, Cass Co., 111., bonds,
De Soto, Mo., city funding bonds, .
Nat'l Bank of Com., St. Louis, stock,
Commercial Bank, St. Louis, stock, .
Third National Bank, St. Louis, stock,
Mechanics 1 Bank, St. Louis, stock, .
Boatmen's Bank, St. Louis, stock,
Laclede Gas Light Co. stock, .
Securities held as collateral for cash loans : -
Laclede Building Company bonds,
300 shares American Brake Company,
500 " Broadway Real Estate Company, .
57 " Publishers G. Knapp & Co., St. L., .
100 " N'l B'k of Commerce, St. Louis, .
20 " Union Trust Co., St. Louis, .
10 " Mechanics' Bank, St. Louis, .
35 " Miss. Valley Trust Co., St. Louis, .
174 " Con. Land & Cattle Co., Dal., Tex.,
St. Louis Merchants' Bridge Co. bond,
Par Value.
$30,000 00
23,000 00
18,000 00
15,000 00
15,000 00
32,000 00
8,000 00
10,000 00
3,500 00
180,000 00
25,000 00
23,200 00
11,100 00
10,000 00
4,800 00
Market Value.
$27,000 00
21,500 00
20,000 00
18,000 00
15,000 00
32,500 00
8,000 00
10,000 00
3,500 00
261,000 00
66,000 00
25,000 00
27,500 00
16,000 00
4,000 00
$633,600 00 $787,000 00
Market Value.
$50,000 00
18,000 00
50,000 00
5,700 00 <\
14,500 00
2,600 00
2,500 00 J-
2,800 00
8,700 00
1,000 00
$155,800 00 $100,291 33
Loaned Thereon.
$45,000 00
37,000 00
18,291 33
Summary of Assets Dec. 31, 1895.
Cash value of unencumbered real estate, . $500,000 00
Loans on mortgage of real estate (first liens*), 81,000 00
Stocks and bonds, as per schedule, . . 787,000 00
Loans on collateral security, as per schedule, 100,291 33
Cash in the office of the company, . . . 822 35
Cash deposited in bank, 99,102 96
Premiums in course of collection (gross), . 92,970 47
Gross assets, ....
Deduct special deposits in other States,
Balance, $1,611,187 11
:,661,187 11
50,000 00
* Value of lands mortgaged,
Value of buildings thereon, .
Amount of insurance held as collateral,
$131,000 00
76,500 00
38,000 00
AMERICAN CENTRAL INSURANCE CO.
151
Liabilities.
Losses adjusted, unpaid, ....
claimed and reported, .
disputed or resisted,
Total amount of losses, ....
Less reinsurance, .....
Net amount of unpaid losses, .
Unearned premiums on outstanding risks,
Commissions and brokerage, .
Reinsurance disallowed, ....
Gross liabilities, except capital,
Deduct liability on special deposits,
Surplus as regards policy-holders, .
Paid-up capital,
$29,511 93
80,550 20
30,981 30
$141,043 43
7,043 43
$134,000 00
662,000 01
13,945 57
938 30
$810,883 88
2,846 44
Surplus over capital, .
$808,037 44
$803,149 67
600,000 00
$203,149 67
Income.
Fire premiums outstanding Dec. 31, 1894, . $94,503 37
Premiums on risks written or renewed, . . 1.008,226 95
Total, $1,102,730 32
Premiums now in course of collection, . . 92,970 47
Entire premiums collected, .... $1,009,759 85
Less reinsurance and return premiums. . . 207,064 60
Net cash fire premiums received, . . .
Interest and dividends received from all sources, .
Income from rents,
Gross cash income,
$802,695 25
52,802 41
22,045 92
$877,543 58
Expenditures.
Cash paid for fire losses,
Deduct salvage and reinsurance,
Net cash paid for fire losses, ....
Cash dividends paid,
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for incidentals, ....
Gross cash expenditures, ....
$525,305 63
41,085 38
$484,220 25
60,000 00
123,385 97
64,998 11
16,828 20
99,232 10
$848,664 63
152
AMERICAN FIRE INSURANCE CO.
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
Risks and Premiums.
Premiums.
$105,721,869 00 $1,320,018 11
78,260,448 00 1,008,226 95
Total, '.
Deduct risks expired and terminated,
In force at end of year, .
Deduct amount reinsured,
Net amount in force, .
$183,982,317 00 $2,328,245 06
76,216,634 00 991,854 02
$107,765,683 00 $1,336,391 04
2,627,562 00 30,554 07
$105,138,121 00 $1,305,836 97
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company,
Fire losses incurred during the year, ....
Cash dividends declared from organization of company,
Dividends declared during the year (10 per cent),
Company's stock owned by directors, .
$16,749,612 00
8,570,669 00
506,436 00
1,166,412 00
60,000 00
74,450 00
"AMERICAN FIRE INSURANCE COMPANY," NEW YORK, N. Y.
[Incorporated April 30, 1857. Commenced business May 1, 1857.]
Paid-up Capital, $392,150. ,
8ILAS P. WOOD, Vice-President. HENRY DAYTON, Secretary.
Detailed Statement of Stocks and Bonds.
United States bonds,
Lake Gas Company (Chicago) bonds,
St. Louis & Iron Mountain Railroad bonds,
City of Brooklyn bonds, ....
Baltimore & Ohio Railroad stock, .
Merchants' National Bank stock,
Phoenix National Bank stock, .
American Exchange National Bank stock,
Bank of New Amsterdam stock,
Western Union Telegraph Company stock,
Chicago & Northwestern Railway stock, .
United States Mortgage Company stock,
Par Value.
$300,000 00
30,000 00
10,000 00
100,000 00
50,000 00
5,000 00
4,000 00
9,000 00
20,200 00
30,000 00
20,000 00
2,000 00
Market Value.
$333,000 00
28,500 00
7,850 00
103,000 00
19,500 00
6,600 00
4,280 00
15,300 00
35,956 00
25,725 00
19,750 00
4,200 00
$580,200 00 |603,661 00
AMERICAN FIRE INSURANCE CO.
153
Summary of Assets Dec.
Loans on mortgage of real estate (first liens*),
Interest due or accrued thereon,
Stocks and bonds, as per schedule,
Cash in the office of the company,
Cash deposited in banks, .
Interest due and accrued, .
Premiums in course of collection (gross),
Reinsurance due from other companies, .
Premiums more than three mos. due, f 204 80
Gross assets,f
Liabilities.
Losses adjusted, unpaid, .
claimed and reported,
disputed or resisted,
Total amount of losses,
Less reinsurance,
Net amount of unpaid losses,
Unearned premiums on outstanding risks,
Unpaid scrip ordered to be redeemed,
Interest due or accrued on scrip,
Due and accrued for rent, salaries, etc , .
State and local taxes, ....
Commissions and brokerage, .
Return premiums,
Gross liabilities, except capital,
Surplus as regards policy-holders, .
Paid-up capital,
Surplus over capital, ....
31, 1895.
$14,500 00
120 83
603,661 00
1,181 02
144,991 64
250 00
98,056 96
16,137 65
),650 64
103,990 86
32,525 00
$157,166 50
69,513 37
\653 13
193,343 51
2,133 00
7,431 14
6,559 01
30 93
16,330 95
9,297 10
$878,899 10
322,778 77
1556,120 33
392,150 00
$163,970 33
Income.
Fire premiums outstanding Dec. 31, 1894,
Same not collected,
. $300,605 92
85,971 05
Net collected,
Premiums on risks written or renewed, .
. $214,634 87
. 1,144,258 80
Total,
Premiums now in course of collection, .
. . $1,358,893 67
98,261 76
Entire premiums collected,
Less reinsurance and return premiums, .
Net cash fire premiums received,
Interest received on morto;ao;es,
. $1,260,631 91
911,158 49
$349,473 42
1,136 00
.
Amount of insurance held as collateral,
14,500 00
t Including $200,000 special reserve fund held under New York law.
154
AMERICAN FIRE INSURANCE CO.
Interest and dividends received from all other sources, .
Received for surplus fund, .... $96,075 00
Received for increased capital, . . . 192,150 00
Gross cash income,
Expenditures.
Cash paid for fire losses, $892,875 16
Deduct salvage and reinsurance, . . . 256,765 15
Net cash paid for fire losses, .
Cash dividends paid,
Cash paid for redemption of scrip, .
Interest paid scrip-holders,
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for rent and incidentals, .
Gross cash expenditures, .
Risks and Premiums.
$33,011 21
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895, .
Total,
Deduct risks expired and terminated,
In force at end of year, .
Deduct amount reinsured,
Net amount in force, .
8172,689,795 00
110,087,641 00
$282,777,436 00
154,764,184 CO
$128,013,252 00
94,779,834 00
$383,650 63
$636,110 01
20,000 00
5 00
152 98
198,671 78
72,708 95
25,552 77
114,217 42
$1,067,418 91
Premiums.
$1,988,941 81
1,144,258 8a
53,133,200 61
1,756,968 33
11,376,232 28
1,013,171 72
$33,233,418 00 $363,060 56
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company, . .
Fire losses incurred during the year, . .
Cash dividends declared from organization of company,
Dividends declared during the year, . .
Company's stock owned by directors, ....
$13,008,146 00
7,379,199 00
456,634 00
1,456,000 00
20,000 00
144,000 00
" AMERICAN FIRE INSURANCE COMPANY," PHILADELPHIA, PA.
[Incorporated Feb. 28, 1810. Commenced business March 12, 1810.]
Paid-up Capital, $500,000.
THOS. H. MONTGOMERY, President. RICHARD MARIS, Secretary.
Detailed Statement of Stocks and Bonds.
Par Value. Market Value.
Steubenville & Indiana Railroad bonds, . . $21,000 00 $23,520 00
Belt Road and Stock Yard bonds, . . . 20,000 00 20,800 00
Chicago & Western Indiana Railroad bonds, . 14,000 00 15,791 00
Philadelphia & Reading Railroad bonds, . . 62,000 00 46,500 00
AMERICAN FIRE INSURANCE CO.
155
North Pennsylvania Railroad bonds,
Virginia & Tennessee Railroad bonds,
Georgia State bonds, ....
Delaware & Chesapeake Railroad bonds,
Huntingdon & Broad Top Mt. R.R. bonds,
Huntingdon & Broad Top Mt. R.R. car trust,
Corning, Cowanesque & Antrim R.R. bonds,
Philadelphia & Reading Railroad bonds,
Lehigh Valley Railroad bonds,
Mortgage Trust Company, Pa., bonds,
Middlesex Banking Company bonds,
Northern Central Railroad bonds, .
Northern Pacific & Montana Railroad bonds,
Penn. & New York Canal and Railroad bonds
Portland city bonds,
N. W. Guaranty Loan Company bonds, .
Wheeling & Lake Erie Exten. Imp. R.R. bonds
Buffalo Street Railroad bonds, . .
Hughesville water bonds,
Pitts., Cin., Chic. & St. Louis R.R. bonds,
Springfield water bonds, ....
United Electric securities,
Terre Haute & Logansport Railroad bonds,
Lehigh Valley Railroad bonds,
Lehighton water bonds, ....
Camden & Atlantic Railroad bonds,
Pittsburgh, Chartiers & Yough. bonds, .
Omaha Loan & Trust Company,
Norfolk & Western Railroad car trust, .
Ashtabula & Pittsburgh Railroad, .
Seaford & Roanoke Railroad, .
20 shares Philadelphia Bourse,
18 shares Phil. & Lancaster Turnpike Co.,
Berwin Water Company bonds,
Second Avenue Traction Co., Pittsburgh,
Company's own stock, . . . $800 00
Securities held as collateral for cash loans : ■
Lehigh Coal and Navigation Co., bonds, .
10 shares First Nat'l B'k of Hughesv'le, Pa.,
2,250 " Northern Pacific Railroad, .
925 " Lehigh Valley Railroad,
120£ " Welsbach Light, .
Electric and People's Railway bonds,
Philadelphia, Reading & New England R.R.,
200 shares Allegheny Valley Railway, .
40 shares Commonwealth Title Ins. Co.,
Par Value.
$26,000 00
25,000 00
25,000 00
5,000 00
10,000 00
10,000 00
7,000 00
25,000 00
51,000 00
25,000 00
25,000 00
20,000 00
30,000 00
50,000 00
50,000 00
30,250 00
15,000 00
20,000 00
17,000 00
30,000 00
10,000 00
10,000 00
25,000 00
25,000 00
4,000 00
15,000 00
10,000 00
10,000 00
12,000 00
15,000 00
20,000 00
1,000 00
180 00
10,000 00
11,000 00
Market Value.
$32,500 00
25,625 00
28,000 00
4,483 00
10,600 00
10,066 66
7,000 00
26,000 00
64,770 00
25,104 16
25,125 00
23,200 00
9,000 00
54,000 00
57,500 00
12,750 00
14,562 50
21,000 00
17,085 00
31,500 00
10,300 00
9,458 34
26,250 00
25,250 00
4,100 00
17,100 00
10,000 00
10,100 00
9,600 00
17,100 00
21,000 00
800 00
40 50
10,166 66
11,320 83
$791,430 00 $789,068 65
Market Value. Loaned Thereon.
$3,960 00
1,150 00
10,250 00^1
33,300 00
6,120 00
7,004 12
1,200 00
2,000 00 J
2,740 00
$2,500 00
500 00
). 50,000 00
2,200 00
$67,724 12 $55,200 00
156
AMERICAN FIRE INSURANCE CO.
Summary of Assets Dec
Cash value of unencumbered real estate,
Loans on mortgage of real estate (first liens*)
Interest due or accrued thereon,
Stocks and bonds, as per schedule, .
Loans on collateral security, as per schedule,
Cash in the office of the company, .
Cash deposited in bank, ....
Interest due and accrued, ....
Premiums in course of collection (gross) ,
Rents due and accrued, ....
Gross assets,
Deduct special deposits in other States, .
Balance, , $2,352,084 53
31, 1895.
$255,014 31
1,101,254 13
21,695 79
789,916 65
55,200 00
11,552 84
75,383 75
524 90
91,616 51
7,425 65
!,409,584 53
57,500 00
Liabilities.
Losses adjusted, unpaid, . ■ .
claimed and reported, .
disputed or resisted, . .
Unearned premiums on outstanding risks,
Reclaimable on perpetual fire policies, .
Commissions and brokerage, .
Reinsurance disallowed, ....
Gross liabilities, except capital,
Deduct liability on special deposits,
Surplus as regards policy-holders, .
Paid-up capital,
Surplus over capital, .
$19,556 07
122,549 85
28,128 19
852,857 95
563,632 17
13,742 41
4,594 34
11,605,060 98
12,491 37
1,592,569 61
$759,514 92
500,000 00
$259,514 92
Income.
Fire premiums outstanding Dec. 31, 1894,
Same not collected,
Net collected,
Premiums on risks written or renewed, .
Total,
Premiums now in course of collection,
Entire premiums collected,
Less reinsurance and return premiums, .
Net cash fire premiums received,
,459 28
14,768 89
1,690 39
1,460,028 76
51,543,719 15
91,616 51
^1,452,102 64
267,938 57
.,184,164 07
* Value of lands mortgaged, .
Value of buildings thereon,
Amount of insurance held as collateral,
$1,277,221 00
994,450 00
911,682 00
AMERICAN FIRE INSURANCE CO.
157
Interest received on mortgages, ......
Interest and dividends received from all other sources, .
Income from rents,
Income from all other sources,
Deposits received for perpetual fire risks, . $19,493 28
Gross cash income,
$59,485 06
41,077 66
7,125 98
6,987 99
$1,298,840 76
Expenditures.
Cash paid for fire losses '. $817,232 77
Deduct salvage and reinsurance, . . . 9,439 93
Net cash paid for fire losses, ....
Cash dividends paid,
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes, .
for incidentals, . . .
for expenses on real estate,
Deposits returned on perpetual fire risks, . $14,300 36
$826,672 7a
27,500 00
213,185 64
103,750 00
32,093 97
93,021 40
7,971 66
Gross cash expenditures,
. $1,304,195 37
Risks and Premiums.
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895, .
Total,
Deduct risks expired and terminated,
In force at end of year,
Deduct amount reinsured, .
Net amount in force, .
Perpetual risks in force (not included
above), .
Premiums.
$164,551,360 00 $2,105,493 26
114,799,046 00 1,460,028 76
$279,350,406 00 $3,565,522 01
126,392,100 00 1,637,226 67
$152,958,306 00 $1,928,295 34
6,389,407 00 80,859 15
$146,568,899 00 J 1,847,436 1&
$23,176,604 00 $615,665 12
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company,
Fire losses incurred during the year,
Cash dividends declared from organization of company
Dividends declared during the year (5£ per cent.),
Company's stock owned by directors,
$29,779,166 00
17,939,216 00
790,514 00
2,698,935 00
27,500 00
24,400 00
158
ARMENIA INSURANCE CO.
"ARMENIA INSURANCE COMPANY OF PITTSBURG, PA.,"
PITTSBURG, PA.
[[Incorporated March 26, 1872. Commenced business May 15, 1872.]
Paid-up Capital, $250,000.
J. O. WAINWRIGHT, President. W. D. McGILL, Secretary.
Detailed Statement of Stocks and Bonds.
Far Value.
Westinghouse Machine Co. bonds, . . . $10,000 00
Birmingham, Knoxville & Allent'n Tract. Co., 15,000 00
10 shares Denver Loan & Safe Deposit Co., . 1,000 00
Market Value.
$10,000 00
13,950 00
1,000 00
Securities held as collateral for cash loans : —
Chartier's Valley Gas Co. bonds,
100 shares Ben. Franklin Ins. Co.,
Loaned on company's own stock,
$26,000 00 $24,950 00
Market Value. Loaned Thereon.
$9,900 00 $5,600 00
5,000 00 3,000 00
$5,000 00
$14,900 00 $8,600 00
Summary of Assets Dec. 31, 1895.
Cash value of unencumbered real estate,
Loans on mortgage of real estate (first liens*)
Interest due or accrued thereon,
Stocks and bonds, as per schedule, .
Loans on collateral security, as per schedule,
Cash in the office of the company, .
Cash deposited in bank, ....
Interest due and accrued, ....
Premiums in course of collection (gross),
Rents due and accrued, ....
Loaned on Armenia Ins. Co. stock, $5,000 00
Gross assets,
5,797 17
242,530 31
5,493 81
24,950 00
8,600 00
1,824 17
5,841 94
365 00
25,097 35
489 17
$361,988 92
Liabilities.
Losses adjusted, unpaid, ....
claimed and reported, . .
disputed or resisted,
Unearned premiums on outstanding risks,
Dividends to stockholders unpaid, .
$4,490 95
8,059 67
3,416 66
84,323 46
534 00
* Value of lands mortgaged,
Value of buildings thereon, .
Amount of insurance held as collateral,
$420,500 00
528,750 00
212,700 00
ARMENIA INSURANCE CO.
159
Commissions and brokerage, .
Reinsurance disallowed, .
Gross liabilities, except capital,
Surplus as regards policy-holders, .
Paid-up capital, ....
Surplus over capital, .
55,019 47
1,213 31
$107,057 52
$254,931 40
250,000 00
$4,931 40
Income.
Fire premiums outstanding Dec. 31, 1894, . $12,294 60
Premiums on risks written or renewed, . . 143,504 32
Total, $155,798 92
Premiums now in course of collection, . . 25,097 35
Entire premiums collected, .... $130,701 57
Less reinsurance and return premiums, . . 19,309 21
Net cash fire premiums received, . . . $111,392 36
Interest received on mortgages, 12,662 12
Interest and dividends received from all other sources, . . 1,500 00
Income from all other sources, ...... 3,175 42
Gross cash income, . $128,729 90
Expenditures.
Cash paid for fire losses,
Deduct salvage and reinsurance,
Net cash paid for fire losses, ....
Cash dividends paid,
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for incidentals, . . . .
Gross cash expenditures, ....
$56,268 06
1,386 41
$54,881 65
222 00
31,789 69
5,600 00
3,140 03
9,208 68
$104,842 05
Risks and Premiums.
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
Total,
Deduct risks expired and terminated,
In force at end of year, .
Deduct amount reinsured,
Net amount in force,
Premiums.
$9,467,732 00 $121,278 11
12,224,902 00 143,504 32
$21,692,634 00 $264,782 43
8,878,728 00 100,055 69
$12,813,906 00 $164,726 74
322,688 00 4,702 85
$12,491,218 00 $160,023 89
160
ASSURANCE LLOYDS OF AMERICA.
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company,
Fire losses incurred during the year, . .
Cash dividends declared from organization of company,
Company's stock owned by directors, ....
$1,352,103 00
691,407 00
58,040 00
337,500 00
84,800 00
" ASSURANCE LLOYDS OF AMERICA," NEW YORK, N. Y.
[Incorporated Feb. 15, 1892. Commenced business Dec. 20, 1893.]
R. C. RATHBONE & BON, Managers.
Summary of Assets Dec 31, 1895.
United States bonds, . . . . . . $462,966 50
Cash deposited in banks, . . . . . 139,916 12
Interest due and accrued, 3,333 33
Premiums in course of collection (gross), . 58,616 26
Gross assets, $664,832 21
Liabilities.
Losses in process of adjustment,
Unearned premiums on outstanding risks,
Reinsurance disallowed, ....
Commissions and brokerage, .
Return premiums and reinsurance, .
Guarantee fund (retired subscribers),
Gross liabilities, except capital,
Surplus as regards policy-holders, .
$9,459 28
130,330 84
11,248 69
11,060 72
3,039 12
45,458 70
210,597 35
$454,234 86
Income.
Fire premiums outstanding Dec. 31, 1894, . $45,733 55
Premiums on risks written or renewed, . . 405,753 25
Total, $451,486 80
Premiums now in course of collection, . . 58,616 26
Entire premiums collected, .... $392,870 54
Less reinsurance and return premiums, . . 88,576 36
Net cash fire premiums received, . . . $304,294 18
Interest and dividends received from all sources, . . . 16,881 13
Income from old management, 3,328 98
Received for increased capital, . . . $10,000 00
Gross cash income, $324,504 29
ATLANTIC MUTUAL INSURANCE CO.
101
Expenditures.
Cash paid for fire losses,
Deduct salvage and reinsurance,
Net cash paid for fire losses, .
Cash dividends paid,
Cash paid for commissions and brokerage,
Cash paid for incidental expenses, .
Gross cash expenditures, .
,573 87
11,563 03
$67,010 84
28,233 80
74,532 65
7,979 34
$177,756 63
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
Risks and Premiums.
Premiums.
. $13,177,800 00 $209,020 87
. 30,575,111 00 405,753 25
Total,
Deduct risks expired and terminated,
In force at end of year, .
Deduct amount reinsured,
$43,752,911 00 $614,774 12
14,444,391 00 327,159 20
,308,520 00 $287,614 92
3,120,870 00 26,953 25
Net amount in force,
$26,187,650 00 $260,661 67
Miscellaneous.
Premiums received under present management,
Losses paid under present management, .
Fire losses incurred during the year,
Cash dividends declared since commencing business,
$624,998 00
146,922 00
72,757 00
28,234 00
"ATLANTIC MUTUAL INSURANCE COMPANY,"
NEW YORK, N. Y.
[Incorporated April 11, 1842. Commenced business July 1, 1842.]
W. H. H. MOORE, President. JOSEPH H. CHAPMAN", Secretary.
Detailed Statement of
American Exchange Bank stock
Bank of America stock, .
Bank of Commerce stock,
Bank of New York stock,
Leather Manufacturers' Bank,
Merchants' Bank stock,
Mechanics' Bank stock,
Manhattan Company stock,
Market & Fulton Bank stock,
Phenix Bank stock, .
Stocks and Bonds.
Par Value.
f 90,000 00
50,000 00
64,100 00
94,200 00
25,600 00'
70,150 00
47,675 00
18,000 00
30,000 00
71,310 00
Market Value.*
|90,000 00
50,000 00
64,100 00
94,200 00
25,600 00
70,150 00
47,675 00
18,000 00
30,000 00
71,340 00
* Estimated for the purpose of permanent investment.
162
ATLANTIC MUTUAL INSURANCE CO.
Atlantic Trust Co. stock, ....
Consolidated Gas Company stock, .
New York County stock, ....
New York City stock, ...
Long Island Railroad Company stock,
N. Y. Central & Hudson River R.R stock,
N. Y. Central & Hudson River R.R. bonds,
New York. Chicago & St. Louis R R. bonds,
West Shore Railroad bonds, .
Brooklyn & Monta.uk Railroad bonds,
Seattle, Lake Shore & Eastern Railway bonds
Brooklyn City Park bonds,
Jersey City water bonds, ....
District of Columbia bonds,
United States bonds, ....
Par Value.
$200,000 00
50,000 00
100,000 00
196,600 00
50,000 00
660,000 00
139,000 00
200,000 00
200,000 00
75,000 00
100,000 00
122,000 00
100,000 00
369,000 00
5,748,000 00
Market Value.
$2o0,000 00
50,000 00
100,000 00
178,740 00
40,000 00
528,000 00
111,200 00
150,000 00
150,000 00
60,000 00
50,000 00
109,800 00
100,000 00
258,300 00
5,412,000 00
Securities held as collateral for cash loans : —
Fourth National Bank stock, .
Consolidated Gas Co. of New York stock,
Col., Hocking Valley & Toledo R'y bonds,
N. Y. Central & Hudson River R R. stock,
Chicago & Northwestern Railway stock,
Chicago, Milwaukee & St. Paul R'y stock,
Chicago, Rock Island & Pacific R.R. stock,
Delaware, Lackawanna & Western R R, stock,
Illinois Central Railroad stock,
$,870,665 00 $8,059,105 00
Market Value. Loaned Thereon.
$11,000 00
22,500 00
13,000 00
9,000 00
16,000 00^
7,500 00 J
3,800 00 )>
13,000 00 1
4,500 00 j
|22,000 00
10,000 00
4,500 00
30,000 00
$100,300 00 $66,500 00
Summary of Assets Dec. 31, 1895.
Cash value of unencumbered real estate,* . $760,000 00
Stocks and bonds, as per schedule, . . . 8,059,105 00
Loans on collateral security, as per schedule, . 66,500 00
Cash deposited in banks and with English
bankers, . . 1,592,523 23
Notes taken for marine and inland risks, . 896,431 88
Gross assets, . . . . . . f 11,374,560 11
Liabilities.
Losses adjusted, unpaid, .
claimed and reported,
disputed or resisted,
5,981 27
1,253,257 29
77,000 00
* Estimated for the purpose of permanent investment.
ATLANTIC MUTUAL INSURANCE CO.
163
Unearned premiums on outstanding risks,
Unpaid scrip ordered to be redeemed,
Interest due or accrued on scrip,
Return premiums,
Incidentals,
Gross liabilities, except capital,
$1,109,275 00
237,000 00
10,834 45
140,217 84
19,136 25
Surplus as regards policy-holders, .
Scrip outstanding, not ordered to be redeemed,
Surplus over capital, . .
- $2,935,702 10
. $8,438,858 01
. 7,076,185 00
. $1,362,673 01
Income.
Cash marine premiums received,
Interest and dividends received from all sources,
Income from rents,
Income from all other sources,
Gross cash income, .
1,405,943 93
503,621 67
46,979 17
3,144 00
5,959,688 77
Expenditures.
Cash paid for marine and inland losses, . . $1,218,407 55
Deduct salvage and reinsurance, . . . 72,124 95
Net cash paid for marine and inland losses, .
Cash paid for redemption of scrip, .
Interest paid scrip-holders, ....
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
Gross cash expenditures, . . . .
fl,145,982 60
759,350 00
412,950 20
17,108 19
393,229 37
37,493 09
$2,766,113 45
Risks and Premiums.
Marine risks outstanding Dec. 31, 1894, .
Marine risks written during 1895, .
Total
Deduct risks expired, and terminated,
In force at end of year, ....
Premiums.
3,274,151 00 $1,027,151 41
375,502,013 00 2,622,872 42
$478,776,164 00 $3,650,023 83
371,142,254 00 2,540,748 83
$107,633,910 00 $1,109,275 00
Miscellaneous.
Marine and inland losses incurred during the year (estimated), $927,530 00
164
BUFFALO GERMAN INSURANCE CO.
"BUFFALO GERMAN INSURANCE COMPANY," BUFFALO, N. Y.
[Incorporated Feb. 15, 1867. Commenced business Feb. 16, 1867.]
Paid-up Capital, $200,000.
PHILIP BECKER, President. OLIVER J. EGGERT, Secretary.
Detailed Statement of Stocks and Bonds.
Par Value. Market Value.
Buffalo city bonds, $522,000 00 $522,000 00
Buffalo & Southwestern Railroad bonds, . . "36,250 00 36,250 00
Tonawanda Gas Company bonds, . . . 33,000 00 33,000 00
Buffalo city warrants, 18,129 48 18,129 48
Securities held as collateral for cash loans : —
German Bank of Buffalo, N. Y., stock,
Citizens 1 Gas Co., Buffalo, N. Y., 1st mort. bd's,
Buffalo Street Railroad Company bonds, .
Union Fire Insurance Co., Buffalo, stock,
German Bank of Buffalo, N. Y., stock,
Citizens 1 Gas Co , Buffalo, N. Y., stock, .
Citizens 1 Gas Co., Buffalo, N. Y., bonds, .
Exchange Elevator, N. Y., stock,
Third National Bank of Buffalo stock,
Cataract Bank of Niagara Falls, N. Y., stock,
Carter Crume Co , Niagara Falls, stock, .
German Bank of Buffalo, N. Y., stock, .
Buffalo Loan & Trust & Safe Dep. Co. stock,
Union Bank of Buffalo, N. Y., stock,
Co-operative Brewing Co , Buffalo, stock,
Co-operative Stove Co., Buffalo, stock, .
Citizens 1 Gas Co., Buffalo, N. Y., stock; .
$609,379 48 $609,379 48
Market Value.
$12,000 00
40,000 00
10,000 00
1,100 00
6,000 00
5,640 00
4,625 00
1,000 00
63,000 00
3,750 00
10,500 00
4,000 00
5,000 00
2,000 00
4,125 00
7,400 00
38,580 00
Loaned Thereon.
$5,000 00
32,000 00
8,000 00
)
} 15,000 00
)
700 00
55,000 00
I 4,500 00
■
I
} 13,000 00
20,000 00
$218,720 00 f 153,200 00
Summary of Assets Dec
31, 1895.
Cash value of unencumbered real estate,
$302,112 72
Loans on mortgage of real estate (first liens*
), 516,360 00
Interest due or accrued thereon,
5,162 95
Stocks and bonds, as per schedule, .
609,379 48
Loans on collateral security, as per schedule,
153,200 00
Cash in the office of the company, .
2,557 07
Cash deposited in bank, ....
106,301 94
Interest due and accrued, ....
3,511 25
Premiums in course of collection (gross),
44,962 37
Notes taken for fire risks,
2,945 20
Rents due and accrued, ....
1,918 75
Gross assets,!
4M 77Q /ill 7Q
. ..... $)!.,< (0,4:11 ID
Amount of insurance held as collateral,
390,100 00
| Including $200,000 special reserve fund held under New York law.
BUFFALO GERMAN INSURANCE CO.
105
Liabilities.
Losses adjusted, unpaid, .
claimed and reported, .
disputed or resisted,
Unearned premiums on outstanding risks
Commissions and brokerage, .
Reinsurance disallowed, .
Gross liabilities, except capital,
Surplus as regards policy-holders, .
Paid-up capital, . . .
Surplus over capital, .
$3,180 68
17,705 00
2,900 00
353,699 99
8,601 00
58 42
,045 09
. $1,392,366 64
200,000 00
. $1,192,366 64
Income.
Fire premiums outstanding Dec. 31, 1894,
Same not collected, .
Net collected, ....
Premiums on risks written or renewed,
Total,
Premiums now in course of collection,
Entire premiums collected,
Less reinsurance and return premiums,
Net cash fire premiums received,
Interest received on mortgages,
Interest and dividends received from all
Income from rents, ....
Income from all other sources,
Gross cash income,
other
$52,912 81
20 57
$52,892 24
489,348 54
$542,240 78
44,962 37
f 497,278 41
76,792 59
sources,
$420,485 82
32,402 28
27,853 45
20,416 03
2,245 48
$503,403 06
Expenditures.
Cash paid for fire losses, '
Deduct salvage and reinsurance,
Net cash paid for fire losses, ....
Cash dividends paid,
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for incidentals, ....
Gross cash expenditures, .
$210,156 05
1,076 99
$209,079 06
50,000 00
87,195 15
28,524 27
8,266 89
32,463 18
$415,528 55
166
THE CAPITAL FIRE INSURANCE CO.
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
Risks and Premiums.
Premiums.
$67,492,712 00 $739,553 47
42,237,586 00 489,348 54
Total
Deduct risks expired and terminated,
In force at end of year, .
Deduct amount reinsured,
Net amount in force, . . .
$109,730,298 00 $1,228,902 01
44,5,18,992 00 515,059 10
$65,211,306 00 $713,842 91
1,221,120 00 12,032 83
$63,990,186 00 $701,810 08
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company, .
Fire losses incurred during the year, .
Cash dividends declared from organization of company,
Dividends declared during the year (25 per cent.),
Company's stock owned by directors, . .
^8,200,073 00
4,221,411 00
206,050 00
875,925 00
50,000 00
60,300 00
"THE CAPITAL FIRE INSURANCE COMPANY OF CONCORD, N. H.,"
CONCORD, N. H.
[Incorporated March 10, 1886. Commenced business March 19, 1886.]
Paid-up Capital, $200,000.
LYMAN JACKMAN, President. CHARLES L. JACKMAN, Secretary.
Detailed Statement of Stocks and Bonds.
Par Value. Market Value.
City of Portsmouth, N. H., bonds, . . . $40,000 00 $42,400 00
City of Dover, N. H., bonds 26,000 00 27,560 00
City of Concord, N. H , bonds, . . . 25,000 00 26,500 00
New Hampshire Trust Co. bonds, . . . 9,000 00 7,200 00
Iowa Loan & Trust Co. bonds, . . . 5,000 00 5,000 00
Muscatine Mortgage & Trust Co. bonds, . . 4,250 00 4,250 00
City Water Co., Merrill, Wis., bonds, . . 5,000 00 5,000 00
Clinton, Iowa, Water Works bonds, . . 5,000 00 5,000 00
Windsor Land & In Co , Denver, Col., bonds, 5,000 00 5,000 00
Spokane & Palouse Railroad Co. bonds, . . 5,000 00 5,000 00
Central Loan & Debenture Co. bonds, . . 4,000 00 4,000 00
Winfield Water Co. bonds, . . . . 3,000 00 3,000 00
Johnson L. & T Co., Ark. City, Kan , bonds, . 1,905 00 1,905 00
Grand Forks, Dak., Gas & Electric Co. bonds, 2,500 00 2,500 00
Davidson Investment Co. bonds, . . . 2,000 00 500 00
Wichita, Kan., Water Co. bonds, . . . 2,000 00 2,000 00
THE CAPITAL FIRE INSURANCE CO.
167
Metropolitan West End R.R. Co. bonds,
Nebraska Loan & Trust Co. bonds, .
Kingman, Kansas, Water Co. bonds,
60 shares C. & M. R.R., .
25 " Page Belting Co.,
25 " Prescott Piano Co., .
1 " Amoskeag Manufacturing Co.,
2 " Nashua Manufacturing Co ,
2 " West Side Construction Co.,
Town of Montrose, Col., bonds,
Denver Consolidated Electric Co. bonds,
Summary op Assets Dec
Cash value of unencumbered real estate,
Loans on mortgage of real estate (first liens*)
Interest due or accrued thereon, .
Stocks and bonds, as per schedule, .
Cash in the office of the company, .
Cash deposited in bank, . . ...
Interest due and accrued, . .
Premiums in course of collection (gross),
Bills receivable, . ...
Gross assets,
Liabilities.
Par Value.
$2,000 00
1,000 00
1,000 00
6,000 00
2,500 00
2,500 00
1,000 00
1,000 00
200 00
800 00
1,000 00
Market Value.
$2,000 00
1,000 00
1,000 00
10,320 00
1,875 00
2,500 00
1,750 00
1,140 00
200 00
800 00
1,000 00
$163,655 00 $170,400 00
31, 1895.
$100,387 03
57,935 00
612 08
170,400 00
2,424 11
36,322 30
931 67
51,217 35
2,652 54
$422,882 08
Losses adjusted, unpaid, ....
$13,376 17
claimed and reported, . .
15,155 13
disputed or resisted,
700 00
Total amount of losses, ....
$29,231 30
Less reinsurance,
810 03
Net amount of unpaid losses, .
$28,421 27
Unearned premiums on outstanding risks,
135,913 24
Due and accrued for rent, salaries, etc., .
6,236 66
Due for borrowed money,
24,000 00
Commissions and brokerage, . .
6,841 44
Return premiums, etc., ....
5,077 09
Reinsurance disallowed, . .
6,742 37
Gross liabilities, except capital,
213,232 07
Surplus as regards policy-holders, .
$209,650 01
200,000 00
$9,650 01
* Value of lands mortgaged, . . .
. $71,575 00
Value of buildings thereon,
, . . . 79,575
00
Amount of insurance held as collateral, .
55,000 00
168
THE CAPITAL FIRE INSURANCE CO.
Income.
Fire premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed,
Total,
Premiums now in course of collection,
Entire premiums collected,
Less reinsurance and return premiums,
Net cash fire premiums received,
Interest received on mortgages,
Interest and dividends received from all
Income from rents, ....
Gross cash income,
$99,363 00
299,778 56
$399,141 56
51,217 35
$347,924 21
142,135 18
other sources, .
$205,789 03
3,729 92
7,328 89
6,014 46
$222,862 30
Expenditures.
Cash paid for fire losses, .
Deduct salvage and reinsurance,
Net cash paid for fire losses,
Cash dividends paid, ....
Cash paid for commissions and brokerage,
for salaries of officers and employee
for State and local taxes,
for incidentals, . .
for interest on borrowed money,
for repairs on real estate,
Gross cash expenditures, .
,194 70
52,112 79
$106,081 91
8,000 00
52,737 38
6,374 72
4,396 68
5,383 31
1,715 52
1,147 61
$185,837 13
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
Risks and Premiums.
Premiums.
.$23,625,127 00 $323,735 37
. 20,853,196 00 299,778 56
Total, . .
Deduct risks expired and terminated,
In force at end of year,
Deduct amount reinsured,
Net amount in force, .
.$44,478,323 00 $623,513 93
. 21,787,628 00 317,863 12
. $22,690,695 00 $305,650 81
. 2,820,551 00 40,355 53
,870,144 00 $265,295 28
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company, .
Fire losses incurred during the year, ....
Cash dividends declared from organization of companj*,
Dividends declared during the year (4 per cent.), .
Company's stock owned by directors, .
$1,553,155 00
499,891 00
123,234 00
61,614 00
8,000 00
56,100 00
citizens' INSURANCE CO.
169
"CITIZENS' INSURANCE COMPANY," NEW YORK.
[Incorporated April, 1836. Commenced business April, 1837.]
Paid-tjp Capital, $300,000.
EDWARD A. WALTON, President. FRANK M. PARKER, Secretary.
Detailed Statement of Stocks
United States bonds, ....
National Bank of Commerce stock, .
National Citizens 1 Bank stock, .
National Bank of the Republic stock,
Consolidated Gas Company stock, .
Union Trust Company stock, .
Oregon Short Line & Utah No. R.R. bonds,
Lake Shore & Michigan Southern R.R. bonds
New York, Chicago & St. Louis R.R. bonds,
Cleveland, Cin., Chic. & St. Louis R.R. stock,
Union Pacific Railroad stock, .
Underwriters 1 Salvage Company, .
Securities held as collateral for cash loans
Butchers 1 and Drovers 1 Nat'l Bank stock,
Pennsylvania Railroad stock, .
Elizabethtown, Lexington & B. S. R R.,
Consolidated Gas Company stock, .
National Citizens 1 Bank stock, .
Laclede Gas Light Company, .
Missouri Pacific Railroad Company,
Detroit Gas Company bonds, .
St. Louis & Iron Mountain Railroad bonds,
and Bonds.
Par Value.
$150,000 00
10,000 00
30,000 00
5,000 00
20,000 00
10,000 00
2,000 00
50,000 00
10,000 00
30,000 00
20,000 00
1,250 00
Market Value.
$166,500 00
20,700 00
42,000 00
8,000 00
29,600 00
73,500 00
1,100 00
58,000 00
10,250 00
16,400 00
800 00
1,000 00
$338,250 00 $427,850 00
Market Value.
$1,700 00
2,500 00
1,000 00
3,700 00
1,350 00
20,200 00 ^
Loaned Thereon.
$900 00
2,000 00
4,700 00
10,00000^ 40j00000
9,100 00
10,270 00 J
$59,820 00 $47,600 00
Summary of Assets Dec. 31, 1895.
Cash value of unencumbered real estate, . $100,300 00
Loans on mortgage of real estate (first liens*), 21,300 00
Interest accrued thereon, 106 50
Stocks and bonds, as per schedule, . . . 427,850 00
Loans on collateral security, as per schedule, . 47,600 00
Cash in the office of the company, . . . 8,812 86
Cash deposited in banks, 63,833 97
Interest due and accrued, ..... 4,796 67
Premiums in course of collection (gross), . 118,743 64
Rents due and accrued, 1,600 00
* Value of lands mortgaged,
Value of buildings thereon,
Amount of insurance held as collateral, . x
$25,000 00
36,500 00
26,200 00
170
CITIZENS INSURANCE CO.
Reinsurance due on losses paid,
Reinsurance on same disallowed, . $4,301 59
Premiums more than three mos. due, . 1,742 05
Gross assets,
Deduct special deposits in other States, .
,150 52
$797,094 16
27,750 00
Balance, $769,344 16
Liabilities.
Losses adjusted, unpaid, ....
claimed and reported, .
disputed or resisted,
Total amount of losses, ....
Less reinsurance, .....
Net amount of unpaid losses, .
Unearned premiums on outstanding risks,
Dividends to stockholders unpaid, .
Due and accrued for rent, salaries, etc., .
Due for borrowed money,
Commissions and brokerage, .
Return premiums and reinsurance, .
Gross liabilities, except capital,
Deduct liability ou special deposits,
Surplus as regards policy-holders, .
Paid-up capital,
Surplus^over capital, .
$12,309 76
20,320 24
8,622 84
$41,252 84
1,056 78
$40,196 06
298,249 83
1,163 60
900 00
50,000 00
14,792 39
1,046 80
$406,348 68
630 17
405,718 51
$363,625 65
300,000 00
,625 65
Income.
Fire premiums outstanding Dec. 31, 1894,
Same not collected,
Net collected,
Premiums on risks written or renewed, .
Total
Premiums now in course of collection, .
Entire premiums collected,
Less reinsurance and return premiums, .
Net cash fire premiums received,
Interest received on mortgages,
Interest and dividends received from all other
Income from rents,
$131,596 42
3,758 84
$127,837 58
626,772 55
$754,610 13
120,485 69
$634,124 44
93,192 20
sources, .
$540,932 24
2,704 67
20,042 13
6,394 67
Gross cash income,
$570,073 71
citizens' INSURANCE CO.
171
Expenditures.
Cash paid for fire losses, . . . ... $321,084 40
Deduct salvage and reinsurance, . . . 43,373 58
Net casli paid for fire losses, ....
Cash dividends paid,
Cash paid for redemption of scrip, .
Interest on borrowed money, .
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for rent and incidentals, .
Borrowed money repaid, $30,000 00
Gross cash expenditures,
$277,710 82
24,205 90
40,000 00
1,660 37
114,166 21
46,904 73
8,774 62
39,686 46
$553,109 11
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895, .
Risks and Premiums.
Premiums.
$77,133,783 00 $600,866 07
72,776,467 00 626,772 55
Total,
Deduct risks expired and terminated,
In force at end of year,
Deduct amount reinsured,
Net amount in force, .
$149,910,250 00 $1,227,638 62
73,559,874 00 614,775 46
$76,350,376 00 $612,863 16
4,273,825 00 32,964 19
$72,076,551 00 $579,898 97
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company, .
Fire losses incurred during the year, ,
Cash dividends declared from organization of company,
Dividends declared during the year, ....
Company's stock owned by directors, . . .
$14,872,890 00
7,948,258 00
292,140 00
1,974,462 00
23,884 35
99,770 00
"CITIZENS' INSURANCE COMPANY OF MISSOURI,"
ST. LOUIS, MO.
[Incorporated Feb. 2, 1837. Commenced business 1837.]
Paid-up Capital, $200,000.
J. B. M. KEHLOR, President. SOL. E. WAGGONER, Secretary.
Detailed Statement of Stocks and Bonds.
Venice Elevator Company bonds,
City of Waco, Texas, bonds, .
Advance Elevator Company bonds, .
Par Value.
$32,000 00
36,000 00
10,000 00
Market Value.
$30,400 00
36,720 00
9,500 00
172
CITIZENS' INSUKANCE CO.
American Exchange Bank stock,
Phillips County, Ark., bonds, .
City of Marshall, 111 , bonds, .
St. Louis United Elevator Co. bonds
Henry County, Mo, bonds,
Greene County, Mo., bonds,
Jacksonville, 111., city bonds, .
Cass Ave. Fair Ground R'y bonds,
Dade County, Mo., bonds,
Lime Co., Mo., school bonds, .
People's Railway Co , St. Louis,
Andrew County, Mo., bonds, .
Par Value.
}2 1,000 00
10,000 00
3,600 00
84,000 00
60,000 00
13,000 00
13,000 00
25,000 00
10,000 00
7,000 00
5,000 00
4,000 00
Market Value.
$34,440 00
10,200 00
3,600 00
79,800 00
60,000 00
13,260 00
13,000 00
24,875 00
10,100 00
7,000 00
5,000 00
4,000 00
$333,600 00 $341,895 00
Summary of Assets Dec. 31, 1895.
Cash value of unencumbered real estate,
st liens*),
Loans on mortgage of real estate (fir
Interest due or accrued thereon,
Stocks and bonds, as per schedule,
Cash in the office of the company,
Cash deposited in banks, .
Interest due and accrued, .
Premiums in course of collection (gross) ,
Gross assets,
$1,000 00
214,250 00
3,584 80
341,895 00
1,318 81
25,542 64
6,568 12
35,311 21
$629,470 58
Liabilities.
Losses adjusted, unpaid, . . .
claimed and reported, .
disputed or resisted,
Unearned premiums on outstanding risks
Commissions and brokerage, .
Reinsurance disallowed, .
Gross liabilities, except capital,
Surplus as regards policy-holders, .
Paid-up capital, . . .
Surplus over capital,
$550 72
16,366 45
1,350 00
139,530 70
8,637 5L
2,456 88
168,892 26
. $460,578 32
200,000 00
. $260,578 32
* Value of lands mortgaged, .
Value of buildings thereon, .
Amount of insurance held as collateral,
$277,980 00
226,920 00
189,100 00
CITIZENS INSURANCE CO.
173
Income.
Fire premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed, .
Total, ......
Premiums now in course of collection, .
Net cash fire premiums received,
Marine premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed, .
Total,
Premiums now in course of collection, .
Net cash marine premiums received,
Received for interest on mortgages,
Received from all other sources,
Gross cash income, ....
$17,080 79
2:34,817 23
$251,898 02
35,266 53
$75 00
2,072 60
!,147 60
44 68
$216,631 49
2,102 92
11,006 15
18,290 00
$248,030 56
Expenditures.
Cash paid for fire losses,
Cash paid for marine and inland losses, .
Cash dividends paid,
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for incidentals, ....
Gross cash expenditures, ....
$65,291 89
390 46
12,000 00
49,267 57
12,316 88
7,491 57
13,720 30
$160,478 67
Risks and Premiums.
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
Total,
Deduct risks expired and terminated,
In force at end of year,
Deduct amount reinsured,
Net amount in force,
Marine risks written during 1895, .
Deduct risks expired and terminated,
Premiums.
$10,807,102 0# $143,148 00
18,267,404 00 234,817 23
,074,506 00 $377,965 23
8,106,334 00 110,475 57
$20,968,172 00 $267,489 66
522,440 00 5,135 Q6
,445,732 00 $262,354 00
$338,015 00 $2,072 60
338,015 00 2,072 60
174
COMMERCE INSURANCE CO.
Miscellaneous.
Losses paid from organization of company, .
Fire losses incurred during the year,
Marine and inland losses incurred during the year,
Cash dividends declared from organization of company
Dividends declared during the year (6 per cent.), .
Company's stock owned by directors,
1,327,219 00
74,063 00
390 00
797,798 00
12,000 00
171,000 00
"COMMERCE INSURANCE COMPANY," ALBANY, N. Y.
[Incorporated June 1, 1859. Commenced business June 1, 1859 ]
Paid-up Capital, $200,000.
GARRET A. VAN ALLEN", President. E. DARWIN JENISON, Secretary.
Detailed Statement of Stocks
150 shares N 1 ! Commercial B'k, Albany, N. Y.
150
72
45
50
50
25
300
5
First Natl Bank, Albany, N. Y.,
Nat'l Exchange B'k, Albany, N. Y.
Albany City Natl Bank, Albany,
National Bank, Cohoes, N. Y.,
South End Bank, Albany, N. Y.,
Holland Trust Co., New York,
Rensselaer. & Saratoga Railroad,
Underwriters' Salvage Co , N. Y.,
Thomson Pulp and Paper Company bonds,
Securities held as collateral for cash loans : -
43 shares First Nat'l Bank, Albany, N. Y.,
Thomson Pulp and Paper Company bonds,
5 shares iEtna Insurance Co., Hartford, Conn.,
35 shares Natlbnal Bank of Cohoes, N. Y.,
and Bonds.
Par Value.
$15,000 00
15,000 00
7,200 00
4,500 00
5,000 00
5,000 00
2,500 00
30,000 00
500 00
10,000 00
Market Value.
f49,500 00
21,750 00
8,280 00
4,050 00
7,000 00
3,750 00
2,500 00
54,000 00
500 00
10,000 00
$94,700 00 $164,330 00
Market Value. Loaned Thereon.
|7,095 00
6,000 00
1,250 00
4,900 00
|4,000 00
5,000 00
350 00
1,500 00
,245 00 f 10,850 00
Summary of Assets Dec. 31, 1895.
Cash value of unencumbered real estate,
Loans on mortgage of real estate (first liens*)
Stocks and bonds, as per schedule, .
Loans on collateral security, as per schedule,
Cash in the office of the company, .
$75,000 00
76,300 00
164,330 00
10,850 00
1,629 02
* Value of lands mortgaged,
Value of buildings thereon, . . .
Amount of insurance held as collateral,
$64,300 00
124,000 00
81,300 00
COMMERCE INSURANCE CO.
175
Cash deposited in bank, ....
Interest due and accrued, ....
Premiums in course of collection (gross),
Rents due and accrued, ....
Gross assets,
$34,815 94
800 00
9,26G 70
594 62
§373,586 28
Liabilities.
Losses claimed and reported, .
Losses disputed or resisted,
Unearned premiums on outstanding risks
State and local t^,xes, . . .
Commissions and brokerage, .
Reinsurance disallowed, .
Return premiums and reinsurance, .
Gross liabilities, except capital,
Surplus as regards policy-holders, .
Paid-up capital,
Surplus over capital, .
Income
Fire premiums outstanding Dec. 31, 1894
Premiums on risks written or renewed,
Total,
Premiums now in course of collection,
Entire premiums collected,
Less reinsurance and return premiums,
$8,440 00
2,380 00
95,913 35
84 04
1,582 86
2,872 28
547 30
$8,336 91
163,125 69
$171,462 60
9,266 70
$162,195 90
19,427 72
Net cash fire premiums received,
Interest received on mortgages,
Interest and dividends received from all other sources, .
Income from rents,
111,819 83
$261,766 45
200,000 00
>1,766 45
Gross cash income,
$142,768 18
3,396 67
8,680 25
5,156 66
$160,001 76
Expenditures.
Cash paid for fire losses, . . .
Deduct salvage and reinsurance, , . . ,
Net cash paid for fire losses, ....
Cash dividends paid,
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for incidentals, . •
Gross cash expenditures, . . . .
,619 24
2,407 10
,212 14
12,000 00
27,808 72
11,653 97
7,768 62
8,524 61
$146,968 06
176
THE COMMERCIAL UNION FIRE INSURANCE CO.
IJire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
Risks and Premiums.
Premiums.
. $16,804,204 00 $187,043 65
. 14,609,868 00 163,125 69
Total,
Deduct risks expired and terminated,
In force at end of year, .
Deduct amount reinsured,
Net amount in force,
.$31,414,072 00 $350,169 34
. 13,501,363 00 154,644 56
. fl7,912,709 00 $195,524 78
650,463 00 6,125 46
.$17,262,246 00 $189,399 32
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company, .
Fire losses incurred during the year, ....
Cash dividends declared from organization of company,
Dividends declared during the year (6 per cent.), .
Company's stock owned by directors, ....
15,207,954 00
3,388,962 00
73,050 00
840,000 00
12,000 00
57,500 00
"THE COMMERCIAL UNION FIRE INSURANCE COMPANY OF
NEW YORK;' N. Y.
[Incorporated Oct. 30, 1890. Commenced business April 1, 1891 ]
Paid-up Capital, $200,000.
CHARLES SEWALL, President. A. H. WRAY, Secretary.
Summary of Assets Dec
New York City Armory bonds, . ,
Cash in the office of the company, .
Cash deposited in bank, ....
Interest due and accrued,
Premiums in course of collection (gross),
Gross assets,
Liabilities.
Losses adjusted, unpaid, ....
Unearned premiums on outstanding risks,
Commissions and brokerage, .
Gross liabilities, except capital,
Surplus as regards policy-holders, .
Paid-up capital,
J. 31, 1895.
. ^203,000 00
78 00
11,667 48
1,009 31
5,217 04
$220,971 83
f 12 65
8,637 54
680 17
Q 330 2fi
$211,641 47
200,000 00
Surplus over capital, $11,641 47
THE COMMERCIAL UNION FIRE INSURANCE CO.
177
Income.
Fire premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed, .
Total,
Premiums now in course of collection, .
Entire premiums collected,
Less reinsurance and return premiums, .
Net cash fire premiums received,
Interest and dividends received from all sources,
$12 19
19,612 84
$19,625
5,217
03
04
$14,407
1,578
99
98
Gross cash income,
$12,829 01
6,026 68
$18,855 69
Expenditures.
Cash paid for fire losses, ....
Deduct salvage and reinsurance,
Net cash paid for fire losses, .
Cash dividends paid,
Cash paid for commissions and brokerage,
for State and local taxes, .
for incidentals, ....
$2,461 71
1,194 94
Gross cash expenditures,
$1,266 77
6,000 00
1,909 30
809 75
137 87
$10,123 69
Risks and Premiums.
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
$10,000 00
2,198,786 00
Total, $2,208,786 00
Deduct risks expired and terminated, . . 353,652 00
In force at end of year,
Premiums.
$18 42
19,612 84
519,631 26
2,455 22
$1,855,134 00 $17,176 04
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company, .
Fire losses incurred during the year, ....
Cash dividends declared from organization of company,
Dividends declared during the year (3 per cent.), .
Company's stock owned by directors, ....
$105,192 00
81,262 00
1,279 00
9,000 00
6,000 00
7,500 00
178
THE COMMONWEALTH INSURANCE CO.
"THE COMMONWEALTH INSURANCE COMPANY OF
NEW YORK," N. Y.
[Incorporated Aug. 23, 1886. Commenced business Sept. 15, 1886.]
Paid-up Capital, $500,000.
CHARLES S. BARTOW, President. E. J. PERRIN, Secretary pro tern.
Detailed Statement of Stocks and Bonds.
United States bonds,
New York city stock, ....
District of Columbia bonds,
200 shares American Telegraph & Cable Co,
125 " American Suretj 7 Co., .
1,000 " Brooklyn City R.R. Co.,
200 " Central R.R. Co. of New Jersey,
100 " Chicago & Alton R.R. Co., .
100 " C, C, C. & St. Louis R.R., .
100 " Chic, Mil. & St. Paul R'y, .
300 " Chicago & Northwestern R'y,
100 " Chic, St. Paul, Minn: & Om'ha Ry.
200 " Delaware & Hudson Canal Co.,
117 " Edison Electric 111. Co., Brooklyn
200 " Edison Electric 111. Co., New York
200 " Illinois Central Railroad Co.,
200 " Manhattan Railway Co.,
100 " Lake Shore & Mich. South'n R.R.
100 " Toledo & Ohio Central Railway,
220 " Western Union Telegraph Co.,
50 " Merchants' National Bank, N. Y
25 " National B'k of Commerce, N.Y.
13 " Bank of America, New York,
50 " Central National B'k, New York
50 " Bowery Bank of New York,
50 " German Americ'n B'k, New York
50 " New York Produce Exchange B'k
200 " N. Y. Cent. & Hudson River R.R.
50 " Corn Exchange Bank, .
17 " Manhattan Company Bank, .
50 " National Park Bank of New York
Missouri, Kansas & Texas R'y bonds,
American Cotton Oil Co. bonds,
Par Value.
$40,000 00
125,000 00
30,000 00
20,000 00
6,250 00
10,000 00
20,000 00
10,000 00
10,000 00
10,000 00
30,000 00
10,000 00
20,000 00
11,700 00
20,000 00
20,000 00
20,000 00
10,000 00
10,000 00
22,000 00
2,500 00
2,500 00
1,300 00
5,000 00
5,000 00
3,750 00
5,000 00
20,000 00
5,000 00
850 00
5,000 00
10,000 00
19,000 00
Market Value.
$45,400 00
125,937 50
30,000 00
18,600 00
13,562 50
16,900 00
19,950 00
16,000 00
9,100 00
12,700 00
34,500 00
12,000 00
25,000 00
12,606 75
18,800 00
18,650 00
20,550 00
14,100 00
7,200 00
18,865 00
3,375 00
5,200 00
4,290 00
5,900 00
14,250 00
4,387 50
6,200 00
19,500 00
14,750 00
1,674 50
13,800 00
8,400 00
20,900 00
$539,850 00 $613,048 75
THE COMMONWEALTH INSURANCE CO.
179
Summary of Assets Dec. 31, 1895.
Loans on mortgage of real estate (first liens *),
Interest due or accrued thereon,
Stocks and bonds, as per schedule
Cash in the office of the company,
Cash deposited in bank, .
Interest due and accrued,
Premiums in course of collection (gross),
Gross assets,
$94,500 00
1,379 44
613,048 75
653 46
43,772 10
6,524 49
25,683 87
$785,562 11
Liabilities.
Losses in process of adjustment,
Unearned premiums on outstanding risks,
Due and accrued for rent, salaries, etc ,
Commissions and brokerage, .
Return premiums, ....
Reinsurance disallowed, .
Gross liabilities, except capital,
Surplus as regards policy-holders, .
Paid-up capital, ....
Surplus over capital, .
$19,664 44
98,635 09
1,200 00
1,863 01
1,032 08
249 12
122,643 74
$662,918 37
500,000 00
,918 37
Income.
Fire premiums outstanding Dec. 31, 1894, . $28,754 49
Premiums on risks written or renewed, . . 226,544 10
Total, . . $255,298 59
Premiums now in course of collection, . . 25,683 87
Entire premiums collected, .... $229,614 72
Less reinsurance and return premiums, . . 37,569 81
Net cash fire premiums received, . . .
Interest received on mortgages,
Interest and dividends received from all other sources, .
Gross cash income, . . . . .
$192,044 91
4,259 85
27,587 24
$223,892 00
Expenditures.
Cash paid for fire losses, .
Deduct salvage and reinsurance,
Net cash paid for fire losses, .
Cash dividends paid, ....
,730 24
544 63
$67,185 61
30,000 00
* Value of lands mortgaged,
Value of buildings thereon,
Amount of insurance held as collateral,
$80,000 00
78,000 00
85,000 00
180
THE CONCORDIA FIRE INSURANCE CO.
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for rent and incidentals, .
Gross cash expenditures, ....
,027 13
21,057 45
5,510 75
13,202 07
$154,983 01
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
Total,
Deduct risks expired and terminated,
In force at end of year, .
Deduct amount reinsured,
Net amount in force, .
Risks and Premiums.
Premiums.
. $17,056,550 00 $189,151 86
. 24,472,508 00 226,544 10
$41,529,058 00 $415,695 96
22,064,046 00 219,035 51
$19,465,012 00 $196,660 45
261,540 00 2,278 83
.f 19,203,472 00 $194,381 62
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company, .
Fire losses incurred during the year, ....
Cash dividends declared from organization of company,
Dividends declared during the year (6 per cent.), .
Company's stock owned by directors, ....
H ,8 11, 565 00
1,074,471 00
72,467 00
126,000 00
30,000 00
113,500 00
" THE CONCORDIA FIRE INSURANCE COMPANY OF
MILWAUKEE," MILWAUKEE, WIS.
[Incorporated March 7, 1870. Commenced business March 22, 1870.]
Paid-up Capital, $200,000.
J. H. INBUSCH, President. GUSTAV WOLLAEGER, Secretary.
Detailed Statement of Stocks and Bonds.
Chicago, 111 , sewerage bonds, .
Cincinnati sinking fund bond, .
Washington Co., 111., bonds,
Lincoln, Neb , school bonds,
State of Montana Agricultural College bond,
Par Value.
$25,000 00
40,000 00
15,000 00
25,000 00
25,000 00
Market Value.
$25,500 00
42,400 00
15,450 00
25,750 00
26,500 00
$130,000 00 |135,600 00
THE CONCORDIA FIRE INSURANCE CO.
181
Summary op Assets Dec. 31, 1895.
Loans on mortgage of real estate (first liens*),
Interest due or accrued thereon,
Stocks and bonds, as per schedule.
Cash in the office of the company,
Cash deposited in banks, .
Interest due and accrued, .
Premiums in course of collection (gross),
Gross assets,
$517,905 00
6,438 19
135,600 00
1,168 04
33,443 48
1,658 33
58,123 79
$754,336 83
Liabilities.
Losses adjusted, unpaid, .
claimed and reported, .
disputed or resisted,
Unearned premiums on outstanding risks,
Commissions and brokerage, .
Gross liabilities, except capital,
Surplus as regards policy-holders, .
Paid-up capital, f ....
Surplus over capital, .
$7,466 49
12,016 52
12,830 75
381,566 75
14,433 86
428,314 37
. $326,022 46
200,000 00
. $126,022 46
Income.
Fire premiums outstanding Dec. 31, 1894, . $55,015 90
Premiums on risks written or renewed, . . 573,976 84
Total, . $628,992 74
Premiums now in course of collection, . . 58,123 79
Entire premiums collected, .... $570,868 95
Less reinsurance and return premiums, . . 128,324 37
Net cash fire premiums received,
Interest received on mortgages,
Interest and dividends received from all other sources,
Gross cash income, . .
$442,544 58
29,151 86
3,663 37
$475,359 81
Expenditures.
Cash paid for fire losses, .
Deduct salvage and reinsurance,
Net cash paid for fire losses, .
$244,750 20
23,724 61
$221,025 59
* Value of lands mortgaged, . . . . . $803,950 00
Value of buildings thereon 672,450 00
Amount of insurance held as collateral, . . . 341,875 00
182
CONNECTICUT FIRE INSURANCE CO.
Cash dividends paid,
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for incidentals, ....
Gross cash expenditures, ....
$ 16,000 00
103,018 36
28,650 00
9,971 84
46,360 69
$425,026 48
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
Risks and Premiums.
Premiums.
.$64,736,475 00 $800,945 58
. 43,855,988 00 573,976 84
Total,
Deduct risks expired and terminated,
In force at end of year, .
Deduct amount reinsured,
Net amount in force, . .
1108,592,463 00 $1,374,922 42
. 41,614,984 00 534,969 53
,977,479 00 $839,952 89
5,862,315 00 75,966 40
11,115,164 00 $763,986 49
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company, .
Fire losses incurred during the year, ....
Cash dividends declared from organization of company,
Dividends declared during the year (8 per cent.), .
Company's stock owned by directors, ....
$4,846,815 00
2,676,038 00
209,029 00
211,667 00
16,000 00
148,700 00
"CONNECTICUT FIRE INSURANCE COMPANY," HARTFORD,
CONN.
[Incorporated June, 1850. Commenced business July, 1850.]
Paid-up Capital, $1,000,000.
J. D. BROWNE, President. CHARLES R. BURT, Secretary.
Detailed Statement of Stocks and Bonds.
Dominion of Canada bonds,
State of Georgia bonds, .
State of South Dakota bonds, .
Territory of Arizona bonds,
City of Astoria, Oregon, bonds,
City of Dallas, Texas, bonds, .
City of Fargo bonds,
City of Middletown bonds,
City of New Britain bonds,
City of Pawtucket, R. I., bonds,
Par Value.
$100,000 00
25,000 00
40,000 00
25,000 00
12,000 00
12,000 00
14,000 00
10,000 00
10,000 00
30,000 00
Market Value.
$105,000 00
28,750 00
40,920 00
26,000 00
12,840 00
12,000 00
15,300 00
10,600 00
10,500 00
30,525 00
CONNECTICUT FIRE INSURANCE CO.
183
City of Portland, Oregon, bonds,
City of Richmond, Va., bonds, .
City of Salem, Oregon, bonds, .
City of Salt Lake, Utah, bonds,
City of Seattle, Washington, bonds,
City of Urbana, Ohio, bonds, .
Hennepin and Minneapolis city bonds,
Helena, Montana, sewerage bonds, .
Mankato, Minn., Board of Education bonds,
School Dist. No. 2, Arapahoe Co., Colo., bonds,
School Dist. No. 11, El Paso Co., Colo., bonds,
School Dist. No. 24, Marion Co., Ore., bonds,
Wayne County, Michigan, bonds, .
Black Rocks & Salisbury Beach St R.R. bonds,
Broadway & Seventh Ave. R.R. bonds,
C, B. & Q. R.R. Co. bonds, .
Chicago & Western Indiana R.R. bonds,
Chicago & Northwestern R.R. bonds,
Cleve., Cin., Chic. & St. L. R.R. bonds,
Cleveland Electric Railway Co. bonds,
Cin., D. & Ironton R.R. bonds, .
Cin., Hamilton & Dayton R.R. Co. bonds,
Cleveland & Mahoning Valley R.R. bonds,
Dayton & Michigan R.R. bonds,
Indiana, Illinois & Iowa R.R. bonds,
Lynn & Boston Railway Co. bonds, .
Fitchburg R.R. bonds, ....
G. Rapids, L. & D. R.R. Co. bonds, .
Housatonic R.R. Co. bonds,
Manitou & Pike's Peak Railway Co. bonds,
N. Y., N. H. & H. R.R. Co. certs., .
Quincy, Alton & St. Louis R R. bonds, .
Saginaw & Western R.R. Co. bonds,
Toledo & Ohio Central R.R. Co. bonds, .
Waterbury, Conn., Traction Co. bonds, .
West Chicago St. R.R. Co. bonds, .
West Chicago St. R.R. Tunnel Co. bonds,
Northwestern Telegraph Company bonds,
Brooklyn Wharf & Warehouse Co. bonds,
Minneapolis Gas Light Co. bonds, .
Central Safety Deposit Co., Chicago, bonds,
Traders 1 Safe and Trust Co., Chicago, bonds,
150 shares Bald Eagle Valley R.R., .
142 " Boston & Albany R.R., .
740 " Chic, Buf . & Quincy R R., .
150 " Chicago & N. W. R.R., .
220 " Chic, Rock Island & Pacific R.R.,
300 " N. Y. Cent. & Hudson River R.R.,
Par Value.
$25,000 00
50,000 00
11,000 00
50,000 00
25,000 00
15,000 00
25,000 00
17,000 00
15,000 00
25,000 00
15,000 00
13,000 00
25,000 00
10,000 00
20,000 00
25,900 00
15,000 00
4,000 00
10,000 00
20,000 00
15,000 00
25,000 00
10,000 00
25,000 00
23,000 00
10,000 00
20,000 00
3,000 00
30,000 00
10,000 00
55,000 00
49,000 00
2,000 00
15,000 00
10,000 00
10,000 00
10,000 00
15,000 00
75,000 00
25,000 00
25,000 00
10,000 00
7,500 00
14,200 00
74,000 00
15,000 00
22,000 00
30,000 00
Market Value.
$28,125 00
50,000 00
11,990 00
51,500 00
25,250 00
15,000 00
27,500 00
17,595 00
15,000 00
26,000 00
15,150 00
14,170 00
25,750 00
9,500 00
21,400 00
26,310 00
17,400 00
4,320 00
9,000 00
20,400 00
15,750 00
26,250 00
11,500 00
26,250 00
19,780 00
10,200 00
21,200 00
1,500 00
30,000 00
9,750 00
68,250 00
49,000 00
1,000 00
15,900 00
10,000 00
10,000 00
10,175 00
16,875 00
76,875 00
26,250 00
25,000 00
10,000 00
15,000 00
29,110 00
56,240 00
14,700 00
14,520 00
29,100 00
184
CONNECTICUT FIRE INSURANCE CO.
375 shares
300
u
200
(C
600
M
167
(l
100
(C
11
ec
100
it
93
(C
125
(C
185
u
300
a
100
«
412
(C
150
tc
45
u
N. Y., N. H. & H. R.R., .
Pitts., F. W. & Chicago R.R., .
Empire & B. S. Telegraph Co.,
Northwestern Telegraph Co., .
First Nat'l Bank, Minneapolis,
Imp. & Traders' Nat'l B'k, N. Y.,
Second National B'k, New Haven,
iEtna National Bank, Hartford,
Charter Oak Nat'l Bank, Hartford
Farm. & Mech. Nat'l B'k, Hartford
First National Bank, Hartford,
Hartford National Bank, Hartford
Mercantile National B'k, Hartford
National Exchange Bank, Hartford
Phoenix National Bank, Hartford,
Conn. Trust & S. D. Co , Hartford
Par Value.
$37,500 00
30,000 00
20,000 00
30,000 00
16,700 00
10,000 00
1,100 00
10,000 00
9,300 00
12,500 00
18,500 00
30,000 00
10,000 00
20,600 00
15,000 00
4,500 00
Market Value.
$67,500 00
48,000 00
14,800 00
33,000 00
14,195 00
52,500 00
1,870 00
14,000 00
8,370 00
13,750 00
19,980 00
42,000 00
7,500 00
24,720 00
17,250 00
7,200 00
$1,604,300 00 $1,760,605 00
Securities held as collateral for cash loans : —
North Chicago Street Railway Co. stock,
Cleveland, Lorain & Wheeling R.R. Co. stock,
Northwestern Yeast Co. stock,
Market Value. Loaned Thereon.
$7,500 00
6,000 00
3,570 00
$4,000 00
5,500 00
3,000 00
$17,070 00 $12,500 00
Summary of Assets Dec. 31, 1895.
Cash value of unencumbered real estate,
Loans on mortgage of real estate (first liens*),
Stocks and bonds, as per schedule, .
Loans on collateral security, as per schedule,
Cash in the office of the company, .
Cash deposited in banks, ....
Premiums in course of collection (gross),
Notes taken for fire risks,
Gross assets,
Deduct special deposits in other States, .
Balance, $3,023,681 53
$146,525 00
854,750 00
1,760,605 00
12,500 00
1,106 74
162,696 46
268,259 53
1,488 80
1,207,931 53
184,250 00
Liabilities
Losses claimed and reported,
Losses disputed or resisted, .
Total amount of losses,
Less reinsurance, .
Net amount of unpaid losses,
$224,096 92
33,984 96
$258,081 88
13 t 296 33
$244,785 55
* Value of lands mortgaged $1,268,175 00
Value of buildings thereon 1,196,600 00
Amount of insurance held as collateral, . . . 882,900 00
CONNECTICUT FIRE INSURANCE CO.
185
Unearned premiums on outstanding risks, . $1,375,050 28
Due and accrued for rent, salaries, etc, . 26,077 48
State and local taxes, 6,565 66
Commissions and brokerage, . . . 27,380 26
Due for reinsurance, 22,459 06
Reinsurance disallowed, .... 33,694 66
Gross liabilities, except capital, . . $1,736,012 95
Deduct liability on special deposits, . . 74,316 00
Surplus as regards policy-holders,
Paid-up capital, ....
Surplus over capital,
$1,661,696 95
$1,361,984 58
1,000,000 00
$361,984 58
Income.
Fire premiums outstanding Dec. 31, 1894, . $249,248 83
Premiums on risks written or renewed, . . 2,046,393 40
Total, . $2,295,642 23
Premiums now in course of collection, . . 268,259 53
Entire premiums collected, .... $2,027,382 70
Less reinsurance and return premiums, . . 283,247 26
Net cash fire premiums received, . . .
Interest received on mortgages,
Interest and dividends received from all other sources, .
Gross cash income,
,744,135 44
50,410 35
74,590 52
. $1,869,136 31
Expenditures.
Cash paid for fire losses,
Deduct salvage and reinsurance,
Net cash paid for fire losses, . . .
Cash dividends paid,
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for incidentals, ....
,436 12
31,449 40
$936,986 72
100,000 00
311,373 31
137,642 73
38,407 75
136,755 55
Gross cash expenditures,
$1,661,166 06
186
CONTINENTAL INSURANCE CO.
Risks and Premiums.
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
Total,
Deduct risks expired and terminated,
In force at end of year,
Deduct amount reinsured,
Net amount in force,
Premiums.
$193,632,484 00 $2,531,127 07
157,329,883 00 2,046,393 40
$350,962,367 00 $4,577,520 47
140,175,724 00 1,872,135 54
$210,786,643 00 $2,705,384 93
5,705,450 00 74,741 48
$205,081,193 00 $2,630,643 45
Miscellaneous.
Premiums received from reorganization of company, .
Losses paid from reorganization of company, .
Fire losses incurred during the year, ....
Cash dividends declared from reorganization of company,
Dividends declared during the year (10 per cent.),
Company's stock owned by directors, ....
,167,336 00
11,479,463 00
993,837 00
2,005,000 00
100,000 00
71,600 00
" CONTINENTAL INSURANCE COMPANY," NEW YORK, N. Y.
[Incorporated November, 1852. Commenced business January, 1853.]
Paid-up Capital, $1,000,000.
F. C. MOORE, President. EDWARD LANNING, Secretary.
Detailed Statement of Stocks and Bonds.
250 shares American Exchange Nat'l Bank,
50 " Bank of America, .
50 " Bowery Bank,
1,200 " Mechanics' National Bank,
250 " Mercantile National Bank,
350 " Merchants' National Bank,
100 " Nassau Bank,
382 " Phenix National Bank,
200 " Central Trust Company,
1,100 " Chicago, Burl. & Quincy R.R.,
500 " Chicago, Mil. & St. Paul Railway,
Par Value.
$25,000 00
5,000 00
5,000 00
30,000 00
25,000 00
17,500 00
5,000 00
7,640 00
20,000 00
110,000 00
50,000 00
Market Value.
$42,500 00
16,250 00
13,750 00
55,500 00
43,750 00
22,750 00
7,250 00
8,404 00
200,000 00
82,500 00
62,500 00
CONTINENTAL INSURANCE CO.
187
1,000 shares Chicago & Northwestern Railway
1,000 " Chicago, Rock Island & Pacific R'y
1,000 " Chi , St Paul, Minn. & Omaha R'y
1,000 " Clev., Cin., Chic. & St. Louis R.R
500 " Lake Shore & Mich. Southern R'y
2,844 " New York & Harlem Railroad,
500 " N.Y., New Haven & Hartf'd R.R,
1,000 " Pennsylvania Railroad Company
6,000 " Brooklyn City R.R. Co.,
200 " Delaware & Hudson Canal Co.,
5,000 " Pitts., McKees.&Youghiogh'yR.R
500 " Rori^Watert'n&Ogdensb'gR.R
500 " St. Paul & Duluth Railroad,
1,000 " St. Paul, Minn. & Manitoba R'way
1,200 " United N. J. R R. & Canal Co.,
500 " Consolidated Gas Co. of N. Y., .
Atlantic & Gulf Railroad bonds,
Cedar Rapids, la. Falls & Northw'n R.R. bonds
Chicago, Burl. & Quincy Railroad bonds,
Chicago, Milwaukee & St. Paul R.R. bonds,
Chicago & Northwestern Sinking Fund bonds
Chicago, Rock Island & Pacific R.R. bonds,
Chicago, St. Paul, Minn. & Omaha R'y bonds
Columbia & Greenville Railroad bonds, .
Elmira, Courtland & Northern R.R. bonds,
Erie Railway Company bonds,
Georgia, Carolina & Northern Railway bonds
Grand Rapids, Lansing & Detroit R.R. bonds,
Indiana, Bloomington & Western R.R. bonds,
Kentucky Central Railway Company bonds,
Midland Railroad Co. of New Jersey bonds,
Milwaukee, Lake Shore & Western R.R. bonds
Morris & Essex Railroad bonds,
New York Cen & Hudson River R.R. bonds,
New York, Lackawanna & Western R'y bonds
N. Y., New Haven & Hartford R.R. bonds,
Raleigh & Augusta Air Line Railroad bonds
Richmond & Danville Railroad bonds,
St. Paul, Minn. & Manitoba Railroad bonds,
Western Union Telegraph Company bonds,
Portland, Oregon, water bonds,
Richmond, Virginia, bonds,
Alabama bonds,.
Georgia bonds, .
United States bonds,
New York city bonds,
Par Value.
#100,000 00.
100,000 00
100,000 00
100,000 00
50,000 00
142,200 00
50,000 00
50,000 00
60,000 00
20,000 00
250,000 00
50,000 00
50,000 00
100,000 00
120,000 00
50,000 00
47,000 00
50,000 00
10,000 00
50,000 00
49,000 00
100,000 00
100,000 00
50,000 00
50,000 00
50,000 00
25,000 00
50,000 00
135,000 00
50,000 00
50,000 00
100,000 00
50,000 00
50,000 00
50,000 00
20,000 00
50,000 00
50,000 00
100,000 00
103,000 00
50,000 00
50,000 00
10,000 00
25,000 00
550,000 00
10,000 00
Market Value.
$143,000 00
65,000 00
110,000 00
85,000 00
70,000 00
383,940 00
90,000 00
50,000 00
99,000 00
24,400 00
312,500 00
57,500 00
42,500 00
110,000 00
282,000 00
72,500 00
47,000 00
50,000 00
11,600 00
56,500 00
53,900 00
100,000 00
124,000 00
52,500 00
52,500 00
67,500 00
19,500 00
25,000 00
148,500 00
42,500 00
57,500 00
127,000 00
70,000 00
53,500 00
62,500 00
27,000 00
55,000 00
58,000 00
118,000 00
108,150 00
55,000 00
50,000 00
10,000 00
27,500 00
587,850 00
10,000 00
5,826,340 00 $4,880,494 00
188
CONTINENTAL INSURANCE CO.
Summary of Assets Dec. 31, 1895.*
Cash value of unencumbered real estate,
Loans on mortgage of real estate (first liensf)
Interest accrued thereon, ....
Stocks and bonds, as per schedule, .
Cash in the office of the company, .
Cash deposited in banks, .
Interest due and accrued, ....
Premiums in course of collection (gross),
Notes taken for fire risks,
Rents due and accrued, ....
Premiums more than three mos. due, $263,701 64
Gross assets, J
Deduct special deposits in other States, .
Balance, $7,084,328 25
! 1,082,430 19
107,560 00
2,168 25
4,880,494 00
20,702 60
501,585 06
75,401 15
350,737 19
191,665 24
4,084 57
',216,828 25
132,500 oa
Liabilities.
Losses claimed and reported,
Losses disputed or resisted,
Total amount of losses,
Less reinsurance,
Net amount of unpaid losses,
Unearned premiums on outstanding risks
Unpaid scrip ordered to be redeemed,
Interest due or accrued on scrip,
Dividends to stockholders unpaid, .
Due and accrued for rent, salaries, etc.,
Commissions and brokerage, .
Contingent reserve, ....
Reinsurance disallowed, .
Gross liabilities, except capital,
Deduct liability on special .deposits,
Surplus as regards policy-holders, .
Paid-up capital,
Surplus over capital, .
$332,504 47
38,757 00
$371,261 47
4,547 83
1,713 64
3,521,726 96
29,165 00
6,139 02
38 50
10,000 00
107,237 00
150,000 00
1,502 69
|4,192,522 81
79,605 70
4,112,917 11
. $2,971,411 14
. 1,000,000 00
. $1,971,411 14
* The company holds, also, instalment premium notes to the amount of $1,433,462 52, which do
not enter into nor form any part of the assets of the company, as no portion of them is earned.
Whatever value is attached to them would necessarily be counterbalanced by the addition of an
amount exactly equal to the reinsurance liability, the entire sum consisting of " unearned pre-
miums."
f Value of lands mortgaged, $136,650 00
Value of buildings thereon, 159,450 00
Amount of insurance held as collateral, .... 128,925 00
X Including $600,000 special reserve fund held under New York law.
CONTINENTAL INSURANCE CO.
189
Income.
Fire premiums outstanding Dec. 31, 1894,
Same not collected,
Net collected, ....
Premiums on risks written or renewed,
Total,
Premiums now in course of collection,
Entire premiums collected,
Less reinsurance and return premiums,
Net cash fire premiums received,
Interest received on mortgages,
Interest and dividends received from all other sources,
Income from rents, ....
Gross cash income,
f610,294 94
20,833 37
$589,461 57
3,816,309 10
$4,405,770 67
542,402 43
$3,863,368 24
441,883 76
53,421,484 48
6,044 96
273,107 53
40,107 62
p3,740,744 59
Expenditures.
Cash paid for fire losses, f 1,745, 899 89
Deduct salvage and reinsurance, . . . 16,311 95
Net cash paid for fire losses,
Cash paid for marine and inland losses,
Cash dividends paid,
Cash paid for redemption of scrip, .
Interest paid scrip-holders,
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for rent and incidentals, .
Gross cash expenditures, ....
,729,587 94
101,201 12
153,961 50
180 00
7 70
671,646 76
296,656 85
65,255 12
213,604 12
5,232,101 11
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
Risks and Premiums.
Premiums.
$631,962,261 00 $6,533,176 93
448,573,640 00 3,816,309 10
Total,
Deduct risks expired and terminated,
In force at end of year,
Deduct amount reinsured,
$1,080,535,901 00$ 10,349,486 03
413,337,601 00 3,469,116 07
$667,198,300 00 $6,880,369 96
4,903,456 00 44,135 13
Net amount in force, .
$662,294,844 00 $6,836,234 83
190
THE DELAWARE INSURANCE CO,
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company,
Fire losses incurred during the year,
Cash dividends declared from organization of company
Dividends declared during the year,
Company^ stock owned by directors,
f 6 1,833,598 00
34,536,782 00
1,761,415 00
5,492,357 00
154,000 00
174,900 00
» THE DELAWARE INSURANCE COMPANY OF PHILADELPHIA,"
PHILADELPHIA, PA.
[Incorporated April 10, 1835. Commenced business Aug. 6, 1835 ]
Paid-up Capital, $702,875.
TATTNALL PAULDING, President. HENRY LYLBURN, Secretary.
Detailed Statement of Stocks
Philadelphia city bonds, .
Lehigh Valley Railroad bonds,
American Steamship Company bonds,
Newark, N. J., city bonds,
Camden, N. J., city bonds,
Springfield, 111., city bonds,
Philadelphia & Reading Railroad bonds,
Allentown Terminal Railroad bonds,
Lehigh Valley Railroad bonds,
Pennsylvania & New York Canal Co. bonds,
Philadelphia, Wil. & Bait. R.R. certificates,
Tennessee State bonds, ....
Philadelphia & Reading Railroad car trust,
Pennsylvania Railroad stock, .
Pitts., Youngstown & Ashtabula R.R. bonds,
Baltimore Belt Railroad bonds,
Northern Pacific Railroad bonds,
St. Louis Merchants 1 Bridge Terminal Co.,
Delano Land Company bonds, .
Philadelphia Bourse stock,
Mortgage Trust Company, Pennsylvania,
Georgia State bonds,
Richmond (Va.) city bonds,
Wilmington & Northern Railroad bonds,
Underwriters 1 Salvage Company of N. Y.,
Brooklyn Wharf & Warehouse Co. bonds,
and Bonds.
Par Value.
$81,000 00
25,000 00
40,000 00
75,000 00
30,000 00
25,000 00
100,000 00
50,000 00
100,000 00
50,000 00
30,000 00
31,300 00
40,000 00
25,000 00
40,000 00
40,000 00
1,000 00
25,000 00
30,000 00
1,000 00
15,000 00
25,000 00
37,000 00
25,000 00
500 00
20,000 00
Market Value.
$97,670 00-
26,125 00
41,000 00
75,750 00
30,600 00
26,500 00
99,000 00
50,000 00
102,000 00
46,750 00
31,200 00
27,544 00
40,000 00
26,000 00
44,000 00
40,400 00
1,010 00
25,625 00
30,900 00
800 00
15,000 00
25,625 00
37,000 00
25,750 00
500 00
20,500 00
1,800 00 $987,249 00
;
THE DELAWARE INSURANCE CO.
191
Summary of Assets Dec. 31, 1895.
Cash value of unencumbered real estate,
Loans on mortgage of real estate (first liens*),
Interest due or accrued thereon,
Loans on collateral security, as per schedule,
Cash in the office of the company, .
Cash deposited in bank, ....
Premiums in course of collection (gross),
Notes taken for marine and inland risks,
Rents due and accrued, ....
Reinsurance, etc., .....
Gross assets,
Deduct special deposits in other States, .
Balance, $1,450,965 08
$160,000 00
112,200 00
1,310 68
987,249 00
66 30
69,672 59
166,514 10
2,867 26
620 84
13,089 31
.,513,590 08
62,625 00
Liabilities.
Losses adjusted, unpaid, .
claimed and reported, .
disputed or resisted,
Unearned premiums on outstanding risks,
Reclaimable on perpetual fire policies, .
Dividends to stockholders unpaid, .
Commissions and brokerage, .
Reinsurance disallowed, ....
Gross liabilities, except capital,
Deduct liability on special deposits,
Surplus as regards policy-holders, .
Paid-up capital,
$1,895 00
43,150 00
8,500 00
491,834 91
81,602 34
97 00
14,237 46
9,409 33
,726 04
32,595 17
618,130 87
Surplus over capital,
,834 21
702,875 00
. $129,959 21
Income.
Fire premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed, .
Total,
Premiums now in course of collection,
Entire premiums collected,
Less reinsurance and return premiums, .
Net cash premiums received, .
$143,246 84
937,969 32
1,081,216 16
165,965 66
$915,250 50
229,590 06
,660 44
* Value of lands mortgaged,
Value of buildiDgs thereon,
Amount of insurance held as collateral,
$161,000 00
82,500 00
71,500 00
192
THE DELAWARE INSURANCE CO.
Marine premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed,
Total,
Premiums now in course of collection,
Entire premiums collected,
Less reinsurance and return premiums,
Net cash marine premiums received,
Interest received on mortgages,
Interest and dividends received from all other
Income from rents, ....
Income from perpetual deposits,
Deposits received for perpetual fire risks,
Gross cash income, .
$,191 22
118,971 20
§167,162 42
3,415 70
,746 72
37,402 40
sources,
\746 22
$126,344 32
6,240 08
48,422 93
7,998 61
3,170 46
$877,836 84
• Expenditures.
Cash paid for fire losses, $392,053 81
Deduct salvage and reinsurance, . . . 27,028 85
Net cash paid for fire losses, ....
Cash paid for marine and inland losses, . . $183,184 92
Deduct salvage and reinsurance, . . . 25,266 16
Net cash paid for marine and inland losses, .
Cash dividends paid,
Cash paid for redemption of scrip, .
Interest paid scrip-holders, ....
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for incidentals, ....
Deposits returned on perpetual fire risks, . $4,816 60
Gross cash expenditures, .......
$365,024 96
157,918 76
42,172 50
95 00
16 20
158,413 44
74,595 25
30,075 63
77,955 96
$906,267 70
Risks and Premiums.
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
Total, . .
Deduct risks expired and terminated,
In force at end of year, .
Deduct amount reinsured,
Net amount in force, .
Perpetual risks in force (not included
above),
$74,241,548 00
77,118,473 00
$151,360,021 00
66,770,480 00
,589,541 00
8,824,140 00
$75,765,401 00
$3,324,700 00
Premiums.
$928,469 48
937,969 32
1,866,438 80
826,672 86
1,039,765 94
120,866 88
$918,899 06
),897 19
THE DETROIT FIRE AND MARINE INSURANCE CO.
193
Marine risks outstanding Dec. 31, 1894,
Marine risks written during 1895, .
Total,
Deduct risks expired and terminated,
In force at end of year,
Deduct amount reinsured,
$11,634,471 00
17,517,107 00
$29,151,578 00
28,306,246 00
$785,332 00
785,332 00
Premiums.
$21,927 09
118,971 20
5140,898 29
136,756 20
$4,142 09
4,142 09
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company,
Fire losses incurred during the year, ....
Marine and inland losses incurred during the year,
Cash dividends declared from organization of company,
Dividends declared during the year (6 per cent.),
Company's stock owned by directors, ....
$30,476,607 00
18,246,809 00
314,676 00
114,853 00
2,529,073 00
42,172 50
60,900 00
" THE DETROIT FIRE AND MARINE INSURANCE COMPANY,"
DETROIT, MICH.
[Incorporated Feb. 1, 1866. Commenced business March 14, 1866.]
Paid-up Capital, $400,000.
WILLIAM A. MOORE, President. C. L. ANDREWS, Secretary.
Detailed Statement of Stocks and Bonds.
Par Value. Market Value .
United States bonds, $40,000 00 $44,900 00
Ft. Wayne & Belle Isle R.R. bonds, . . 28,000 00 28,325 00
School Dist. bonds, Springwells, . . . 6,000 00 6,200 00
Securities held as collateral for cash loans
Mortgages assigned, ....
People's Savings Bank stock, .
$74,000 00 $79,425 00
Market Value. Loaned Thereon.
$4,200 00 $1,700 00
3,800 00
$8,000 00
Summary of Assets Dec. 31, 1895.
3,000 00
?4,700 00
Cash value of unencumbered real estate,
Loans on mortgage of real estate (first liens*),
Interest due or accrued thereon,
1,875 53
891,074 11
30,739 65
* Value of lands mortgaged, .
Value of buildings thereon,
Amount of insurance held as collateral,
$1,271,791 00
1,062,417 00
645,932 00
194
THE DETKOIT FIRE AND MARINE INSURANCE CO.
Stocks and bonds, as per schedule, .
Loans on collateral security, as per schedule,
Cash in the office of the company, .
Cash deposited in bank, .
Interest due and accrued, ....
Premiums in course of collection (gross),
Notes taken for marine and inland risks,
Reinsurance, etc.,
Premiums more than three mos. due, $6,132 65
Gross assets,
$79,425 00
4,700 00
3,562 71
62,396 29
1,818 21
32,722 18
2,434 17
2,960 90
,200,708 75
Liabilities.
Losses adjusted, unpaid, ....
claimed and reported, .
disputed or resisted,
Unearned premiums on outstanding risks,
State and local taxes
Commissions and brokerage, .
Return premiums,
Gross liabilities, except capital,
Surplus as regards policy-holders, .
Paid-up capital,
Surplus over capital,
$5,980 55
6,967 10
2,565 34
167,876 26
146 34
5,154 14
2,923 40
191,613 13
. $1,009,095 62
400,000 00
,095 62
Income.
Fire premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed, .
Total, . . . . .
Premiums now in course of collection, .
Entire premiums collected,
Less reinsurance and return premiums, .
Net cash lire premiums received,
Marine premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed, .
Total,
Premiums now in course of collection, .
Entire premiums collected,
Less reinsurance and return premiums, .
Net cash marine premiums received,
Interest received on mortgages,
Interest and dividends received from all -other
Income from rents,
Gross cash income, .'■,..,
$39,857 85
272,295 62
$312,153 47
38,680 92
$273,472 55
48,922 16
$5,213 19
27,855 40
$33,068 59
2,608 08
$30,460 51
22,192 84
sources, .
$224,550 39
8,267 67
69,673 04
9,022 99
912 57
$312,426 66
EQUITABLE FIRE AND MARINE INSURANCE CO.
195
Expenditures.
Cash paid for fire losses,
Cash paid for marine and inland losses, .
Cash dividends paid, . . .
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for incidentals, ....
Profit and loss,
Gross cash expenditures, ....
Risks and Premiums.
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
Total, . . .
Deduct risks expired and terminated,
In force at end of year, .
Marine risks outstanding Dec. 31, 1894,
Marine risks written during 1895, .
Total,
Deduct risks expired and terminated,
$28,160,648 00
23,723,255 00
$51,883,903 00
23,678,468 00
$116,463 29
20,951 10
40,000 00
28,807 04
22,568 96
21,282 73
22,374 74
28,564 35
$301,012 21
Premiums.
$339,285 61
272,295. 62
^611,581 23
280,874 36
128,205,435 00 $330,706 87
$155,408 00
1,825,218 00
fl,980,626 00
1,980,626 00
$22,893 02
27,855 40
$50,748 42
50,748 42
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company, .
Fire losses incurred during the year, .
Marine and inland losses incurred during the year,
Cash dividends declared from organization of company,
Dividends declared during the year (10 per cent.),
Company's stock owned by directors, .
56,378,530 00
3,257,882 00
115,848 00
5,131 00
771,000 00
40,000 00
120,440 00
"EQUITABLE FIRE AND MARINE INSURANCE COMPANY,"
PROVIDENCE, R. I.
[Incorporated May, 1859. Commenced business September, I860.]
Paid up Capital, $300,000.
FRED. W. ARNOLD, President. JAMES E. TILLINOHAST, Secretary.
Detailed Statement of Stocks and Bonds.
Par Value. Market Value.
500 shares Old National Bank, Providence, . $50,000 00 $58,000 00
;340 " Natl Bank of Commerce, Prov., . 17,000 00 15,300 00
200 « American National Bank, Prov., . 10,000 00 9,000 00
100 " Fourth National Bank, Providence, 10,000 00 12,200 00
196
EQUITABLE EIRE AND MARINE INSURANCE CO.
100 shares First National Bank, Warren,
18 " Third National Bank, Providence,
200 " N. Y. Central and Hud. River R.R
200 " Illinois Central Railroad,
100 " Chic., Rock I. & Pacific Railroad,
107 " Chic, Burl. & Quincy Railroad,
100 " Michigan Central Railroad, .
$0 " Rhode Island & Mass. Railroad,
50 " Wells, Fargo & Company Express
Union Pacific Railroad bonds, .
New York Elevated Railroad bonds,
Pawtuxet Valley Railroad bonds,
Quincy, Alton & St. Louis Railroad bonds,
Milwaukee City Railroad bonds,
National Water Works bonds, .
Chicago, Burlington & Quincy Railroad bonds,
Par Value.
^ 10,000 00
1,800 00
20,000 00
20,000 00
10,000 00
10,700 00
10,000 00
5,000 00
5,000 00
25,000 00
28,000 00
22,000 00
10,000 00
5,000 00
6,800 00
3,000 00
Market Value.
$9,000 00
1,530 00
19,600 00
18,700 00
6,775 00
8,239 00
9,600 00
5,000 00
5,000 00
26,022 50
29,400 00
24,420 00
10,200 00
5,250 00
4,500 00
3,225 00
$279,300 00 $280,961 50
Summary of Assets Dec. 31, 1895.
Cash value of unencumbered real estate,
Loans on mortgage of real estate (first liens*),
Interest due or accrued thereon,
Stocks and bonds, as per schedule, .
Cash in the office of the company, .
Cash deposited in bank, ....
Premiums in course of collection (gross),
Rents due and accrued, ....
Premiums more than three months due, $6 00
Gross assets,f
Liabilities.
Losses adjusted, unpaid, ....
claimed and reported, . .
disputed or resisted,
Unearned premiums on outstanding risks,
Due and accrued for rent, salaries, etc., .
State and local taxes, ....
Commissions and brokerage, .
Return premiums and reinsurance, .
Reinsurance disallowed, ....
Gross liabilities, except capital,.
Surplus as regards policy-holders, .
Paid-up capital,
Surplus over capital, .
$129,900 00
125,500 00
181 00
280,961 50
1,537 58
33,682 42
43,662 92
1,218 00
$2,703 00
11,985 00
2,940 00
192,041 47
546 12
1,527 58
2,718 70
1,549 85
94 70
$616,643 42
216,106 42
$400,537 00
300,000 00
$100,537 00
* Value of lands mortgaged,
Value of buildings thereon,
Amount of insurance held as collateral,
$136,300 00
197,100 00
142,050 00
t Including $35,000 special reserve fund held under Rhode Island law.
EQUITABLE FIRE AND MARINE INSURANCE CO.
197
Income.
Fire premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed, .
Total,
Premiums now in course of collection, .
Entire premiums collected,
Less reinsurance and return premiums, .
Net cash fire premiums received,
Marine premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed, .
Total,
Premiums now in course of collection,
Entire premiums collected,
Less reinsurance and return premiums, .
Net cash marine premiums received,
Interest received on mortgages,
Interest and dividends received from all other
Income from rents, .....
Gross cash income, ....
Expenditures
Cash paid for fire losses, ....
Deduct salvage and reinsurance,
Net cash paid for fire losses,
Cash paid for marine and inland losses, .
Deduct salvage and reinsurance,
Net cash paid for marine and inland losses,
Cash dividends paid, .....
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for incidentals,
for repairs on real estate,
Gross cash expenditures,
$30,296 93
318,807 52
$355,104 45
43,559 46
|3ll,544
50,061
99
06
$81
1,508
63
95
$ 1,590
103
58
46
$1,487
137
12
75
sources,
$123,063 40
3,113 36
$212 49
86 88
$261,483 93
1,319 37
6,352 76
13,527 97
7,281 00
$289,995 03
$119,950 04
125 61
18,860 50
49,961 27
22,890 73
9,480 16
21,123 57
2,753 93
$245,145 81
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
Risks and Premiums.
Premiums.
,952,480 00 $366,807 77
26,977,913 00 318,807 52
Total
Deduct risks expired and terminated,
In force at end of year,
Deduct amount reinsured,
Net amount in force, .
. $57,930,393 00
. 24,473,523 00
5,615 29
297,921 25
.$33,456,870 00 $387,694 04
. 1,128,565 00 13,363 77
.$32,328,305 00 $374,330 27
198
FARRAGUT FIRE INSURANCE CO.
Marine risks outstanding Dec. 31, 1894, .
Marine risks written during 1895, .
$20,685 00
205,615 00
Total
Deduct risks expired and terminated,
In force at end of year, .
$226,300 00
183,963 00
$42,337 00
Premiums
$427 71
1,508 95
$1,936 66
1,138 51
$798 15
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company, .
Fire losses incurred during the year, ....
Marine and inland losses incurred during the year,
Cash dividends declared from organization of company,
Dividends declared during the year (6 per cent.), .
Company's stock owned by directors, ....
£5.284,479 00
3,433,333 00
113,806 00
49 00
560,000 00
18,f00 00
70,000 00
"FARRAGUT FIRE INSURANCE COMPANY," NEW YORK, N. Y.
[Incorporated Jan. 29, 1872. Commenced business Jan. 30, 1872.]
Paid up Capital, $200,000.
JOHN E. LEFFINGWELL, President. SAMUEL DARBEE, Secretary.
Detailed Statement of Stocks and Bonds.
District of Columbia bonds,
New York, Ontario & Western R.R. bonds,
Fourth National Bank stock,
New York Produce Exchange Bank stock,
Clinton Bank stock,
Long Island Loan and Trust Company, .
Brooklyn Union Gas Co. bonds,
Brooklyn Union Gas Co. stock,
Securities held as collateral for cash loans : —
Cleveland, Cin., Chic & St. Louis R R. stock, .
Lake Shore & Mich. Southern R.R. stock,
Stock Quotation Telegraph Co.,
Par Value.
$105,000 00
20,000 00
10,000 00
9,700 00
6,000 00
25,000 00
1,000 00
2,300 00
Market Value.
$119,175 00
21,800 00
18,000 00
12,125 00
6,000 00
57,500 00
1,050 00
1,771 00
$179,000 00 $237,421 00
Market Value. Loaned Thereon.
$450 00 I
700 00 S
9,000 00
$900 00
6,000 00
$10,150 00
1,900 00
FARRAGUT FIRE INSURANCE CO.
199
Summary of Assets Dec
Cash value of unencumbered real estate,
Loans on mortgage of real estate (first liens*)
Interest due or accrued thereon,
Stocks and bonds, as per schedule, .
Loans on collateral security, as per schedule,
Cash in the office of the company, .
Cash deposited in bank, ....
Interest due and accrued,
Premiums in course of collection (gross),
Rents, reinsurance, etc., .
Office furniture, .... $2,500 00
Premiums more than three mos. due, 1,212 92
Gross assets,
Liabilities.
Losses adjusted, unpaid, .
claimed and reported, .
disputed or resisted,
Total amount of losses,
Less reinsurance, ....
Net amount of unpaid losses, .
Unearned premiums on outstanding risks
Due and accrued for rent, salaries, etc.,
State and local taxes,
Commissions and brokerage, .
Due for reinsurance, ....
Reinsurance disallowed, .
Gross liabilities, except capital,
Surplus as regards policy-holders, .
Paid-up capital, ....
Surplus over capital, .
Income
Fire premiums outstanding Dec. 31, 1894,
Same not collected, ....
Net collected,
Premiums on risks written or renewed,
Total,
Premiums now in course of collection,
Entire premiums collected,
Less reinsurance and return premiums,
Net cash fire premiums received,
31, 1895.
$6,000 00
12,930 00
223 03
237,421 00
6,900 00
1,219 60
21,425 27
86 25
25,851 08
451 13
$141 82
11,734 42
250 00
$12,126 24
1,141 82
$10,984 42
68,815 81
250 00
600 00
2,510 71
780 57
3,600 95
$24,696 60
880 37
$23,816 23
177,884 23
$201,700 46
27,064 00
$174,636 46
33,645 81
$312,507 36
87,542 46
$224,964 90
200,000 00
$24,964 90
$140,990 65
* Value of lands mortgaged,
Value of buildings thereon,
Amount of insurance held as collateral, .
$20,250 00
7,500 00
8,500 00
200
FIRE ASSOCIATION OF PHILADELPHIA.
Interest received on mortgages, ....
Interest and dividends received from all other sources,
Income from rents,
Gross cash income, .....
Expenditures.
Cash paid for fire losses, . . . .
Deduct salvage and reinsurance,
Net cash paid for fire losses, ....
Cash dividends paid, ......
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for incidentals, ....
for expenses on real estate,
Gross cash expenditures, ....
$90,990 93
7,336 98
$756 50
9,184 22
425 04
$151,356 41
,653 95
11,000 00
27,485 02
17,211 00
2,949 62
9,972 99
335 24
$152,607 82
Risks and Premiums.
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,.
Total,
Deduct risks expired and terminated,
In force at end of year, .
Deduct amount reinsured,
Net amount in force, .
Premiums.
519,153,172 00 $204,444 41
15,147,168 00 177,884 23
. $34,300,340 00 $382,328 64
. 16,900,746 00 207,242 35
.$17,399,594 00 $175,086 29
. 5,717,254 00 36,530 31
1,682,340 CO $138,555 98
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company, .
Fire losses incurred during the year, ....
Cash dividends declared from organization of company,
Dividends declared during the year (5£ per cent.),
Company's stock owned by directors, .
$3,578,660 00
1,776,730 00
80,937 00
516,000 00
11,000 00
70,700 00
"FIRE ASSOCIATION OF PHILADELPHIA," PHILADELPHIA, PA.
[Incorporated March 27, 1820. Commenced business Sept. 1, 1817.]
Paid-up Capital, $500,000.
E. C. IRVIN, President. BENJAMIN" T. HERKNESS, Secretary.
Detailed Statement of Stocks and Bonds.
Par Value. Market Value.
City of Philadelphia bonds, .... $309,100 00 $349,283 00
City of Camden bonds, 1,500 00 1,755 00
City of Richmond certificates, .... 25,000 00 28,500 00
FIRE ASSOCIATION OF PHILADELPHIA.
201
City of Cincinnati bonds, ....
City of Altoona bonds,
City of Tacoma Water and Light Co. bonds,
City of Richmond certificates, .
State of Georgia bonds, ....
Northern Central Railway Company bonds,
Catawissa Railroad bonds,
Lehigh Valley Railroad bonds,
Shamokin Valley & Pottsville Railroad bonds
Philadelphia & Erie Railroad bonds,
Belt Railroad & Stock Yards bonds,
Louisville & Nashville Railroad bonds, .
Texas & Pacific Railroad bonds,
Camden & Atlantic Railroad bonds,
Pennsylvania Railroad bonds, .
Cincinnati, Hamilton & Dayton R.R. bonds,
Cincinnati, Dayton & Ironton R.R. bonds,
Chicago, Rock Tsland & Pacific R.R. bonds,
Northern Pacific Railroad bonds,
Philadelphia & Reading Railroad bonds,
Central Car Trust Company bonds,
Ohio River Railroad bonds,
Centralia & Chester Railroad bonds,
Chicago & Erie Railroad bonds,
Lynn & Boston Railroad bonds,
Lehigh Valley Coal Co. bonds, .
Port of Portland, Oregon, bonds,
Pennsylvania & New York Canal bonds,
Lehigh Coal and Navigation Company bonds
Chamber of Commerce Association bonds,
Underwriters 1 Pro. Asso. of Newark, N. J.,bonds
Evansville & Terre Haute Railroad bonds,
Newark Passenger Railway bonds, .
Lehigh Valley Railroad bonds,
Terminal Railroad Asso. of St. Louis bonds,
Philadelphia City Passenger Railway bonds,
1,230 shares Pennsylvania Railroad Co. stock,
331 " Phila.,Germant , n&Norrist , nR.R,
70 " Chestnut Hill Railroad stock,
20 " Philadelphia Bourse,
5 " Underwriters 1 Salvage Company, .
125 " Centralia & Chester R.R. Co.,
256 " Company's own stock, $88,320 00
Securities held as collateral for cash loans : —
Portland University bonds, .
50 shares Catawissa R.R. stock, , , .
Par Value.
fel25,000 00
52,500 00
40,000 00
50,000 00
25,000 00
168,000 00
10,000 00
132,000 00
20,000 00
100,000 00
50,000 00
82,000 00
13,000 00
30,000 00
108,000 00
20,000 00
25,000 00
25,000 00
32,000 00
20,000 00
23,000 00
25,000 00
50,000 00
35,000 00
25,000 00
15,000 00
39,000 00.
8,000 00
100,000 00
3,000 00
1,000 00
50,000 00
20,000 00
75,000 00
50,000 00
50,000 00
61,500 00
16,550 00
3,500 00
1,000 00
500 00
Market Value.
$151,250 00
52,500 00
42,000 00
50,000 00
27,500 00
194,880 00
11,300 00
167,520 00
22,800 00
118,000 00
54,000 00
95,530 00
13,650 00
32,100 00
136,560 00
21,600 00
27,000 00
26,500 00
36,585 00
15,000 00
23,000 00
25,000 00
45,000 00
38,500 00
25,750 00
15,375 00
44,460 00
8,160 00
131,500 00
3,000 00
1,000 00
54,300 00
21,200 00
75,750 00
50,000 00
53,500 00
63,960 00
41,706 00
8,820 00
400 00
500 00
1,115,150 00 $2,409,694 00
Market Value. Loaned Thereon.
f 18,720 00 $10,000 00
2,325 00 2,000 00
202
FIKE ASSOCIATION OF PHILADELPHIA.
Pennsylvania Railroad bonds, .
North Pennsylvania Railroad bonds,
Northern Pacific Railroad bonds,
196 shares Pennsylvania Railroad stock,
100 " Diamond State Iron Co., .
87 " United New Jersey Railroad,
250 " Camden Iron Works,
333 " Merchants' National Bank,
100 " Philadelphia Traction Co. stock,
100 " Lehigh Valley Railroad stock,
77 " Union Traction Co. stock,
100 " Northern Pacific Railroad Co stock
500 " Philadelphia Traction Co. stock,
Ground rents,
23 shares company's own stock, . $2,600 00
Summary of Assets Dec
Cash value of unencumbered real estate,
Loans on mortgage of real estate (first liens*)
Interest due or accrued thereon,
Stocks and bonds, as per schedule, .
Loans on collateral security, as per schedule,
Cash in the office of the company, .
Cash deposited in bank, ....
Interest due and accrued, ....
Premiums in course of collection (gross),
Rents, reinsurance, etc., ....
Gross assets,
Deduct special deposits in other States, .
)> $32,500 00
Market Value. Loaned Thereon.
$2,620 00-
1,240 00
1,030 00
10,192 00
10,000 00
8,732 00
20,000 00
33,300 00 J
6,500 00 >j
3,600 00 i
847 00
350 00
32,500 00
23,400 00
} 10,000 00
25,000 00
9,999 00
Balance, . $5,403,543 06
$175,356 00 $89,499 00
31, 1895.
$202,900 00
1,891,829 51
40,764 44
2,409,694 00
89,499 00
10,509 11
300,641 20
23,194 11
516,384 24
4,907 45
— $5,490,323 06
86,780 00
Liabilities.
Losses adjusted, unpaid, .
. . •
$139,564 33
claimed and reported, .
. ■ •
140,530 73
disputed or resisted,
• • •
51,370 68
Total amount of losses, .
$331,465 74
Less reinsurance,
• •
11,435 90
Net amount of unpaid losses, .
$320,029 84
Unearned premiums on outstanding risks,
1,862,746 32
Reclaimable on perpetual fire poll
Lcies, .
1,924,533 29
State and local taxes,
• • •
4,312 40
Commissions and brokerage, .
, .
93,031 00
Return premiums,
•
57,328 10
* Value of lands mortgaged,
$2,708,416 00
Value of buildings thereon,
2,290,802 00
Amount of insurance held as
collateral, .
1,891,829 00
FIRE ASSOCIATION OF PHILADELPHIA.
203
Due for reinsurance, .
Reinsurance disallowed, .
Gross liabilities, except capital,
Deduct liability on special deposits,
Surplus as regards policy-holders, .
Paid-up capital,
Surplus over capital, ....
Income.
Fire premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed, .
Total
Premiums now in course of collection, .
$24,416 04
809 57
$4,287,206 56
57,603 16
$4,229,603 40
. $1,173,939 66
500,000 00
$673,939 66
Entire premiums collected, .... $3,062,534 11
Less reinsurance and return premiums, . . 588,973 30
Net cash fire premiums received, . . . $2,473,560 81
Interest received on mortgages, 111,262 09
Interest and dividends received from all other sources, . . 128,481 24
Income from rents, etc , ........ 4,673 71
Deposits received for perpetual fire risks, . $63,961 25
Gross cash income, $2,717,977 85
$487,012 51
3,091,905 84
13,578,918 35
516,384 24
Expenditures.
Cash paid for fire losses, $1,327,903 98
Deduct salvage and reinsurance, . . . 50,274 44
Net cash paid for fire losses, ....
Cash dividends paid,
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for incidentals, ....
Deposits returned on perpetual fire risks, . $46,028 08
Gross cash expenditures, ....
Risks and Premiums.
;,277,629 54
200,000 00
521,914 95
300,415 68
57,848 95
3,081 10
. $2,360,890 22
Premiums.
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
Total
Deduct risks expired and terminated,
In force at end of year, .
Deduct amount reinsured, \
Net amount in force,
.$317,102,414 00 $3,434,033 05
. 252,671,760 00 3,024,578 21
.$569,774,174 00 $6,458,611 26
. 215,331,077 00 2,702,457 10
.$354,443,097 00 $3,756,154 16
. 10,672,575 00 107,218 39
. $343,770,522 00 $3,648,935 77
Perpetual risks in force (not included above), $87,156,784 00 $2,085,582 48
204 THE FIRE INSURANCE CO., COUNTY OF PHILADELPHIA.
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company,
Fire losses incurred during the year, ....
Cash dividends declared from organization of company,
Dividends declared during the year (40 per cent.),
Company's stock owned by directors, ....
,754,873 00
22,035,856 00
1,340,954 00
4,979,762 00
200,000 00
40,250 00
"THE FIRE INSURANCE COMPANY OF THE COUNTY OF
PHILADELPHIA," PHILADELPHIA, PA.
[Incorporated May 31, 1832. Commenced business April 19, 1833.]
Paid-up Capital, $400,000.
CHARLES R. PECK, President. E. A. LAW, Secretary.
Detailed Statement of Stocks and Bonds.
Jersey City bonds, . .
Lehigh Valley Railroad bonds,
Delaware & Bound Brook R.R. bonds,
North Pennsylvania R.R. bonds,
Catawissa R.R. Co. bonds,
Pennsylvania Company bonds,
Pennsylvania & N. Y. Canal and R.R. bonds,
11 shares Elmira & Williamsport R,R.,
Pittsburg, Cincinnati & St. Louis R'y bonds,
American Steamship Co. bonds,
West Jersey R.R. bonds, ....
New York Car Trust bonds,
United New Jersey R.R. and Canal Co. bonds
Philadelphia & Erie R.R. bonds,
Pennsylvania R.R. bonds,
Junction R.R. bonds, ....
Camden & Atlantic R.R. bonds,
Belvidere Delaware R.R. bonds,
Connecting Railway bonds,
264 shares Phila., Germant'n & Norrist'n R.R.,
City of Camden bonds, . . . .
Pennsylvania R.R. bonds, ....
150 shares United Companies of New Jersey
205 shares Germantown Passenger R'y Co.,
Schuylkill River East Side R.R. bonds, .
Pennsylvania Steel Co. bonds, .
Baltimore & Ohio Equipment Assoc, bonds,
Par Value.
$9,000 00
13,000 00
24,000 00
12,000 00
4,000 00
4,000 00
10,000 00
550 00
20,000 00
4,500 00
7,000 00
1,000 00
20,000 00
10,000 00
11,000 00
7,000 00
4,000 00
1,000 00
3,000 00
13,200 00
1,000 00
6,000 00
15,000 00
10,250 00
15,000 00
15,000 00
12,000 00
Market Value.
$9,450 00
16,050 00
30,240 00
12,120 00
4,480 00
4,240 00
11,360 00
495 00
23,200 00
4,635 00
7,210 00
1,000 00
22,800 00
11,750 00
14,465 00
7,560 00
4,280 00
1,090 00
3,420 00
33,264 00
1,140 00
7,080 00
35,400 00
25,112 50
16,350 00
15,450 00
12,000 00
THE FIRE INSURANCE CO., COUNTY OF PHILADELPHIA. 205
100 shares Second and Third St. Pass. R'y Co.,
Pennsylvania & Northwestern R.R. bonds,
220 shares Pennsylvania R.R. Co., .
Lehigh Valley R.R. bonds,
69 shares Nat'l B'k of the Northern Liberties
Lehigh Valley R.R. bonds,
100 shares Solicitors 1 Loan and Trust Co.,
104 shares North Pennsylvania R.R. Co.,
Phila. City Pass. R'y Co. bonds,
Lombard and South St. Pass. R'y Co. bonds,
20 shares 13th and 15th Sts. Pass. R'y Co.,
Newark Pass. R'y Co. bonds, .
28 shares Bank of North America, Phila.,
10 shares First National Bank of Phila., .
Huntingdon & Broad Top Car Trust fund,
Northern Central R'y Co. bonds,
30 shares Frankf'd & Southw'k P.C.P.R.R. Co.
164 shares Union Traction Co. of Phila., .
Electric and People's Traction Trust certs.,
Securities held as collateral for cash loans : —
100 shares Union Passenger Railway Co.,
Reading Terminal bonds,
600 shares Philadelphia & Reading R.R Co., .
200 " Hun. & B. Top M. R.R. & Coal Co.,
100 " Lehigh Valley R.R. Co., .
Northern Pacific R.R. bonds, ....
Par Value.
$5,000 00
10,000 00
11,000 00
25,000 00
3,450 00
15,000 00
5,000 00
5,200 00
3,000 00
3,000 00
1,000 00
5,000 00
2,800 00
1,000 00
5,000 00
10,000 00
2,500 00
820 00
25,000 00
Market Value.
$23,200 00
10,300 00
11,467 50
26,000 00
9,315 00
18,918 75
3,000 00
8,736 00
3,240 00
3,000 00
4,640 00
5,300 00
7,028 00
2,005 00
5,000 00
11,570 00
17,000 00
1,845 00
17,000 00
$391,270 00 $524,206 75
Market Value.
$20,600 00
5,250 00^1
1,200 00 I
6,000 00 }>
3,600 00 |
2,300 00 j
Loaned Thereon.
$15,000 00
16,237 50
,950 00 f 31, 237 50
Summary of Assets Dec. 31, 1895.
Cash value of unencumbered real estate, . $67,500 00
Loans on mortgage of real estate (first liens*), 196,899 00
Interest due or accrued thereon, . . . 3,190 55
Stocks and bonds, as per schedule, . ... 524,206 75
Loans on collateral security, as per schedule, . 31,237 50
Cash in the office of the company, . . . 1,118 90
Cash deposited in bank, 32,823 69
Interest due and accrued, 337 32
Premiums in course of collection (gross), . 14,298 93
Rents due and accrued, 165 83
Perpetual deposits in other companies, . . 4,969 26
Gross assets, .......
$876,747 73
* Total value of property mortgaged,
Amount of reinsurance held as collateral,
$379,550 00
159,700 00
206 THE FIRE INSURANCE CO., COUNTY OF PHILADELPHIA.
Liabilities.
Losses adjusted, unpaid, .
claimed and reported, .
disputed or resisted,
Total amount of losses, .
Less reinsurance, ....
Net amount of unpaid losses, .
Unearned premiums on outstanding risk
Reclaimable on perpetual fire policies,
Commissions and brokerage, .
Reinsurance disallowed, .
Gross liabilities, except capital, .
Surplus as regards policy-holders, .
Paid-up capital,
Surplus over capital,
Income
$7,066 94
9,178 00
1,183 33
$17,428 27
1,779 29
$15,648 98
80,528 81
231,246 95
3,090 4^
9,466 47
Fire premiums outstanding Dec. 31, 1894
Premiums on risks written or renewed,
Total,
Premiums now in course of collection,
Entire premiums collected,
Less reinsurance and return premiums,
Net cash fire premiums received,
Interest received on mortgages,
Interest and dividends received from all other
Income from rents, ....
Income from perpetual -premiums, .
Deposits received for perpetual fire risks,
Gross cash income, ....
Expenditures
Cash paid for fire losses, ....
Deduct salvage and reinsurance,
Net cash paid for fire losses, .
Cash dividends paid,
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for incidentals,
Deposits returned on perpetual fire risks,
Gross cash expenditures, .
|21,066 49
165,989 15
$187,055 64
14,298 93
$172,756 71
37,527 46
sources,
$11,007 63
$58,106 77
7,137 96
,137 66
$339,981 64
$536,766 09
400,000 00
$136,766 09
$135,229 25
9,102 89
27,578 05
1,860 96
240 60
$174,011 75
$50,968 81
24,000 00
27,557 08
10,721 72
4,780 72
9,173 30
$127,204 63
fireman's FUND INSURANCE CO.
207
Risks and Premiums.
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
Total,. .
Deduct risks expired and terminated,
In force at end of year, .
Deduct amount reinsured,
.$15,386,369 00
. 14,312,664 00
129,699,033 00
14,405,732 00
.|15,293,301 00
. 1,605,763 00
$13,687,538 00
Net amount in force, .
Perpetual risks in force (not included above), . f 10,539,967 00
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company, .
Fire losses incurred during the year,
Cash dividends declared from organization of company
Dividends declared during the year (6 per cent.), .
Company's stock owned by directors,
Premiums.
$183,715 92
165,989 15
$349,705 07
170,962 63
$178,742 44
17,794 72
$160,947 72
$255,365 85
52,554,152 00
1,651,103 00
51,173 00
660,408 00
24,000 00
71,100 00
" FIREMAN'S FUND INSURANCE COMPANY," SAN FRANCISCO,
CAL.
[Incorporated May 3, 1863. Commenced business June 18, 1863. ]
Paid-up Capital, $1,000,000.
D. J. STAPLES, President. BERNARD FAYMONVILLE, Secretary.
Detailed Statement of Stocks and Bonds.
Par Value. Market Value.
Omnibus Cable Co. bonds, .... $125,000 00 $147,500 00
Market Street Railway Co. bonds, . . . 100,000 00 107,500 00
Powell Street Railway Co bonds, . . . 15,000 00 17,100 00
Sutter Street Railway Co. bonds, . . . 50,000 00 55,000 00
Presidio & Ferries R.R. Co. bonds, . . . 37,000 00 37,000 00
San Francisco & North Pacific R'y bonds, . 20,000 00 20,000 00
United States bonds, 25,000 00 29,312 50
Oakland City Gas, Light & Heat Co. bonds, . 50,000 00 52,250 00
Stockton Gas & Electric Light Co. bends, . 30,000 00 30,450 00
San Diego Gas and Electric Light Co. bonds, . 20,000 00 20,000 00
Riverside Water Co. bonds, .... 20,000 00 20,000 00
Baker City, Ore., Water bonds, . . . 17,000 00 17,850 00
Pacific Rolling Mills bonds, .... 14,000 00 14,350 00
Baker City, Ore., School bonds, . . . 20,000 00 21,000 00
Palo Alto, Cal., School District bonds, . . 15,000 00 15,750 00
San Pascual, Cal., School District bonds, . 6,250 00 6,312 50
Olympic Club bonds, 5,000 00 5,000 00
Independence City, Ore., bonds, . . . 3,000 00 3,000 00
2,986 shares Home Mutual Insurance Co., .' 298,600 00 600,000 00
208 fireman's fund insurance co.
Par Value. Market Value.
60 shares Bank of California stock, . . $6,000 00 $13,920 00
187 " First National Bank, S. F., . . 18,700 00 34,034 00
100 " Anglo-California Bank stock, . 5,000 00 6,000 00
450 " Oakland Bank of Savings stock, . 22,500 00 29,250 00
600 " California Safe Dep. & Trust Co., 30,000 00 33,600 00
340 " Sather Banking Co., . . . 34,000 00 25,500 00
1,000 " California Street Cable R.R. Co., 100,000 00 105,000 00
440 " Sutter Street R.R. Co., . . . 44,000 00 44,000 00
200 " Market Street Railway Co., . . 20,000 00 9,000 00
100 " San Fran. & San JoaquinVal.R.R., 4,000 00 4,000 00
650 " Oakland Gas, Light & Heat Co., . 13,000 00 32,500 00
50 " San Francisco Gaslight Co., . . 5,000 00 3,600 00
400 " Pacific Gas Improvement Co,, . 40,000 00 32,400 00
600 " Spring Valley Water Co., . . 60,000 00 58,500 00
656 " California Dry Dock Co., . . 65,600 00 24,600 00
500 " Pacific Rolling Mills, . . . 50,000 00 11,250 00
684 " Stockton Gas, Light & Heat Co., 12,170 00 8,550 00
450 " S Francisco & S. Joaquin C'l Co., 22,500 00 13,500 00
100 " Oakland Building & Loan Asso., . 2,400 00 2,400 00
64,000 00
f 1,425,720 00 $1,710,979 00
Securities held as collateral for cash loans : —
Market Value. Loaned Thereon.
440 shares Bank of Sonoma County, . . $48,400 00 $38,000 00
Blue Lakes Water Company bonds, . . 5,000 00 2,500 00
50 shares Eagle Canning Company, . . 1,500 00 801 65
1,400 " California Safe Dep. & Trust Co., 78,400 00
1,500 " S F. & San Joaquin Coal Co., . 50,000 00
500 " Southern Pacific Milling Co., . 37,500 00 15,000 00
218 " Bank of Sonoma County, . . 23,980 00 16,000 00
18 " California Street Cable R.R. Co., 1,890 00 \
68 " Pacific Gas Improvement Co., . 5,508 00 > 5,000 00
100 " Pacific Telegraph & Tele. Co., . 4,800 00 )
200 " Oakland Gas, Light & Heat Co., . 10,000 00 7,000 00
School Dist. No. 1, Multnomah Co., Ore., bonds, 20,000 00 >>
City of Albany, Linn County, Ore., bonds, . 20,000 00 ! ™ ™q qq
School Dist No. 1, Clackamas Co., Ore., bonds, 5,500 00 •
School Dist. No. 1, Forest Grove, Ore., bonds, 4,500 00 J
$316,978 00 |178,301 65
Summary of Assets Dec. 31, 1895.
Cash value of unencumbered real estate, . f416,700 00
Loans on mortgage of real estate (first liens*), 492,243 85
Interest due or accrued thereon, . . . 6,220 31
* Value of lands mortgaged, $1,096,000 00
Value of buildings thereon, 297,800 00
Amount of insurance held as collateral, .... 182,950 00
fireman's FUND INSURANCE CO.
209
Stocks and bonds, as per schedule, .
Loans on collateral security, as per schedule,
Cash in company's offices,
Cash deposited in bank, ....
Interest due and accrued, ...
Premiums in course of collection (gross),
Notes taken for marine and inland risks,
Reinsurance, etc.,
Gross assets,
Deduct special deposits in other States, .
Balance,
Liabilities.
Losses adjusted, unpaid, .
claimed and reported, .
disputed or resisted,
Total amount of losses, ....
Less reinsurance, . . . . .
Net amount of unpaid losses, .
Unearned premiums on outstanding risks,
Commissions and brokerage, .
Bills payable,
Contingent reserve,
Reinsurance disallowed, ....
Gross liabilities, except capital,
Deduct liability on special deposits,
Surplus as regards policy-holders, .
Paid-up capital, .....
Surplus over capital, ....
Income.
Fire premiums outstanding Dec. 31, 1894,
Net collected,
Total,
Premiums now in course of collection,
Entire premiums collected, . . .
Less reinsurance and return premiums, .
Net cash fire premiums received,
Marine premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed, .
Total, .
Premiums now in course of collection, .
Entire premiums collected,
Less reinsurance and return premiums, .
Net cash marine premiums received,
,710,979 00
178,301 65
8,634 74
184,662 65
5,865 65
369,500 75
40,491 40
35,495 88
|3,449,095 88
79,312 50
$3,369,783 38
$31,409 43
98,759 46
11,650 00
$141,818 89
16,327 47
$125,491 42
1,218,571 74
28,450 91
14,376 72
75,000 00
76,027 41
11,537,918 20
39,242 36
1,498,675 84
51,871,107 54
1,000,000 00
1,107 54
$324,587 19
2,155,368 87
12,479,956 06
345,478 19
^2,134,477 87
675,389 11
$66,938 30
329,747 18
$396,685 48
64,513 96
$1,459,088 76
$332,171 52
150,381 34
181,790 18
210
fireman's FUND INSURANCE CO.
Interest received on mortgages,
Interest and dividends received from all other
Income from rents,
Gross cash income, ....
Expenditures
Cash paid for fire losses, .
Deduct salvage and reinsurance,
Net cash paid for fire losses, .
Cash paid for marine and inland losses,
Deduct salvage and reinsurance,
Net cash paid for marine and inland losses,
Cash dividends paid, .....
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes, .
for incidentals, .
Gross cash expenditures, .
sources,
$26,997 02
104,459 24
19,168 15
. $1,791,503 35
$836,914 44
112,851 47
$216,549 62
92,863 33
$724,062 97
123,686 29
120,000 00
224,935 85
179,027 74
30,701 61
154,065 84
. $1,556,480 30
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
Risks and Premiums.
rremiums.
$199,631,332 00 $2,587,001 20
179,216,492 00 2,155,368 87
Total,
Deduct risks expired and terminated,
In force at end of year,
Deduct amount reinsured,
Net amount in force, .
Marine risks outstanding Dec. 31, 1894,
Marine risks written during 1895, .
Total,
Deduct risks expired and terminated,
In force at end of year,
Deduct amount reinsured, . *
Net amount in force, .
$378,847,824 00 $4,742,370 07
167,900,380 00 2,227,613 47
$210,947,444 00
19,797,119 00
1,514,756 60
265,676 24
$191,150,325 00 $2,249,080 36
. $3,820,916 00 $149,575 52
. 27,914,784 00 329,747 18
131,735,700 00 $479,322 70
27,838,145 00 324,160 16
$3,897,555 00 $155,162 54
1,362,758 00 60,452 96
>,534,797 00
»4,709 58
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company,
Fire losses incurred during the year,
Marine and inland losses incurred during the year,
Cash dividends declared from organization of company
Dividends declared during the year (12 per cent.),.
Company's stock owned by directors, . ,
$28,489,258 00
14,370,424 00
717,879 00
119,161 00
2,536,060 00
120,000 00
135,400 00
FIREMEN S INSURANCE CO.
211
« FIREMEN'S INSURANCE COMPANY OF NEWARK, N. J, 1 '
NEWARK, N. J.
[Incorporated Dec. 3, 1855. Commenced business Dec. 3, 1855 ]
Paid-tjp Capital, $600,000.
DANIEL H. DUNHAM, President. A. H. HASSINGER, Secretary.
Detailed Statement of Stocks and Bonds.
United States bonds,
Morris & Essex Railroad bonds,
Orange & Newark Railroad bonds, .
Essex Pass. Railway bonds,
Montclair Gas & Water Company bonds,
East Orange Township bonds, .
Underwriters 1 Prot. Association bonds, .
United N. J. Railroad & Canal Co. stock,
Delaware, Lack. & Western Railroad stock,
Morris & Essex Railroad stock,
Newark City National Bank stock, .
Second National Bank stock, .
National Newark Banking Company stock,
National State Bank stock,
Essex County National Bank stock, .
German National Bank stock, .
Manufacturers 1 National Bank stock,
Newark Electric Light & Power Company,
Newark Fire Insurance Company stock, .
Paterson Gas Light Company stock,
Newark Gas Light Company stock,
Newark Gas Company bonds, .
Lehigh Valley Terminal Railway bonds,
Newark City Water bonds,
Atlantic City, N. J., Water bonds, .
Newark & Rosendale Lime and Cement Co.,
Par Value.
$30,000 00
50,000 00
40,000 00
24,000 00
5,000 00
322 29
1,000 00
13,900 00
60,000 00
70,000 00
20,000 00
20,000 00
20,000 00
32,500 00
20,000 00
4,200 00
10,000 00
15,000 00
5,000 00
10,000 00
11,850 00
50,000 00
4,000 00
25,000 00
22,000 00
4,000 00
Market Value.
f 30,950 00
69,500 00
44,000 00
26,400 00
5,000 00
322 29
1,000 00
32,665 00
95,700 00
115,500 00
31,000 00
28,000 00
33,000 00
50,375 00
50,000 00
8,190 00
14,400 00
18,750 00
7,000 00
12,000 00
10,665 00
62,500 00
4,480 00
25,750 00
25,080 00
2,800 00
$567,772 29 $805,027 29
Summary of Assets Dec. 31, 1895.
Cash value of unencumbered, real estate, . $122,516 01
Loans on mortgage of real estate (first liens*), 1,011,561 00
Interest due or accrued thereon, . . . 14,588 77
Stocks and bonds, as per schedule, , . . 805,027 29
Cash in the office of the company, . . . 1,414 88
Cash deposited in bank, ..... 7,586 20
Interest due and accrued, ..... 6,776 00
* Total value of property mortgaged, .
Amount of insurance held as collateral,
$2,443,975 00
1,331,210 00
212
fikemen's INSURANCE CO.
Premiums in course of collection (gross), ,
Rents due and accrued,
Premiums more than three mos. due, $1,052 06
Gross assets,
$35,186 45
3C0 00
!,004,956 60
Liabilities.
Losses adjusted, unpaid, ....
claimed and reported, .
disputed or resisted, . .
Unearned premiums on outstanding risks,
Unpaid scrip ordered to be redeemed,
Interest due or accrued on scrip, .
Commissions and brokerage, .
Return premiums and reinsurance, .
Gross liabilities, except capital,
Surplus as regards policy-holders, .
Paid-up capital, . .
$4,391 41
12,178 57
9,084 23
259,286 86
1,905 00
500 55
5,543 93
3,629 46
296,520 01
.,708,436 59
600,000 00
Surplus over capital, f 1,108,436 59
Income.
Fire premiums outstanding Dec. 31, 1894,
Same not collected, . .
Net collected,
Premiums on risks written or renewed, .
Total,
Premiums now in course of collection, .
Entire premiums collected,
Less reinsurance and return premiums, .
Net cash fire premiums received,
Interest received on mortgages,
Interest and dividends received from all other
Income from rents,
Gross cash income,
$23,171 93
83 75
$23,088 18
360,700 14
$383,788 32
36,238 51
$347,549 81
36,015 14
sources,
$311,534 67
49,629 51
38,069 17
8,823 77
,057 12
Expenditures.
Cash paid for fire losses, .
Deduct salvage and reinsurance,
Net cash paid for fire losses, .
Cash dividends paid,.
Cash paid for redemption of scrip,
Interest paid scrip-holders,
Cash paid for commissions and brokerage,
$156,862 60
9,698 11
$147,164 49
72,000 00
4 00
1 20
53,134 39
FRANKLIN FIRE INSURANCE CO.
213
Cash paid for salaries of officers and employees, .
for State and local taxes,
for incidentals,
for repairs on real estate,
Gross cash expenditures,
$23,851 89
13,157 86
15,124 94
957 88
$325,396 65
Risks and Premiums.
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
Total
Deduct risks expired and terminated,
In force at end of year, . ,
Deduct amount reinsured,
Net amount in force, .
.f55,706,017 00
. 36,593,193 00
. $92,299,210 00
. 36,376,039 00
.$55,923,171 00
981,419 00
Premiums.
$505,143 10
360,700 14
,843 24
342,891 81
$522,951 43
8,684 64
.$54,941,752 00 $514,266 79
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company, .
Fire losses incurred during the year, ....
Cash dividends declared from organization of company,
Dividends declared during the year (12 per cent.),
Company's stock owned by directors, ....
57,114,349 00
3,405,436 00
147,371 00
1,542,500 00
72,000 00
205,560 00
"FRANKLIN FIRE INSURANCE COMPANY OF PHILADELPHIA,"
PHILADELPHIA, PA.
[Incorporated April 22, 1829. Commenced business June, 1829.]
Paid up Capital, $400,000.
JAMES W. MCALLISTER, President. EZRA T. CRESSON, Secretary.
Detailed Statement of Stocks and Bonds.
City of Springfield, 111., bonds,
City of Sandusky, O , bonds,
10 shares Philadelphia Bourse stock,
City of Camden, N. J., bonds, .
Pittsburgh, Chartiers & Youghiogheny R.R.,
Pennsylvania Railroad bonds, .
Shamokin, Sunbury & Lewisburg bonds, .
Chartiers R. W. bonds, ....
Delaware River Ferry bonds, .
Penn. & New York Canal & R.R. bonds, .
Par Value.
$9,000 00
55,000 00
500 00
40,000 00
50,000 00
70,000 00
10,000 00
6,000 00
10,000 00
50,000 00
Market Value.
$9,180 00
61,600 00
400 00
41,200 00
55,000 00
81,900 00
10,200 00
6,900 00
10,300 00
61,500 00
214
FRANKLIN FIRE INSURANCE CO.
Wilmington & Weldon Railroad bonds,
Jacksonville, Louisville & St Louis Railroad
Lehigh Valley Railroad bonds,
Huntington & Broad Top Railroad, .
North Pennsylvania Railroad bonds,
50 shares Independence National Bank, .
Philadelphia city bonds, . . . . ^
Lehigh Valley Railroad bonds,
Pennsylvania R.R. bonds,
Penn. & New York Canal & R.R. bonds, .
Phila., Wilmington & Baltimore R.R. bonds,
Philadelphia & Erie Railroad bonds,
50 shares First National Bank, Philadelphia,
Belvidere Delaware Railroad bonds,
City of Quincy, 111., bonds,
100 shares South wark National Bank,
Gloucester County, N. J., bonds,
Northern Pacific Railroad,
Iowa City & Western Railroad bonds,
Delaware & Bound Brook Railroad bonds,
Chicago & Western Indiana Railroad bonds,
Pennsylvania Railroad Trust loan, .
Columbus & Cincinnati Midland Railroad,
125 shares Phila , Wilm. & Baltimore Railroad
St. Paul, Minnesota & Manitoba Railroad,
Baltimore & Potomac Railroad,
Pennsylvania & New York Canal & Railroad
West Jersey Railroad bonds, .
Connecting Railroad bonds,
Easton & Amboy Railroad bonds, .
Lehigh Valley Railroad bonds,
Elmira & Williamsport Railroad bonds,
Phila., Wilm. & Bait. Trust Certificate bonds,
New York, Lackawanna & Western Railroad,
West Jersey Railroad bonds, .
New York Central Railroad bonds, .
Harrisb'g, Portsm'th, Mt. Joy & Lan. R.R.,
Lehigh Coal & Navigation Company bonds,
Northern Central Railroad,
50 shares Continental Hotel Company, .
Steubenville & Indiana Railroad,
Pennsylvania Salt Manufacturing Co. bonds,
Camden & Atlantic Railroad bonds,
Northern Central Railroad bonds, .
Philadelphia & Erie Railroad bonds,
500 shares Mine Hill & Schuylkill Haven R.R
25 shares Penn. Co. for Ins. on Lives, etc.,
Lehigh Valley Coal Company bonds,
Par Value.
$50,000 00
11,000 00
11,000 00
29,000 00
4,000 00
5,000 00
4,100 00
42,000 00
61,000 00
10,000 00
28,000 00
10,000 00
5,000 00
21,000 00
19,000 00
5,000 00
11,000 00
6,000 00
20,000 00
8,000 00
10,000 00
30,000 00
25,000 00
6,250 00
2,000 00
125,000 00
54,000 00
14,000 00
20,000 00
25,000 00
40,000 00
10,000 00
25,000 00
25,000 00
25,000 00
25,000 00
25,000 00
10,000 00
15,000 00
5,000 00
60,000 00
47,000 00
15,000 00
12,000 00
10,000 00
25,000 00
2,500 00
20,000 00
Market Value.
$52,500 00
3,800 00
11,550 00
29,870 00
4,080 00
6,250 00
4,305 00
50,750 00
80,520 00
10,900 00
29,270 00
10,400 00
10,000 00
21,000 00
19,000 00
10,000 00
11,000 00
6,120 00
20,600 00
8,400 00
10,600 00
32,400 00
18,750 00
7,500 00
2,200 00
153,500 00
55,080 00
15,400 00
22,000 00
27,250 00
42,000 00
10,500 00
25,500 00
33,750 00
30,000 00
26,000 00
26,750 00
10,400 00
17,250 00
7,000 00
66,600 00
47,000 00
18,000 00
12,360 00
11,800 00
35,000 00
12,000 00
20,400 00
FRANKLIN FIRE INSURANCE CO.
215
Baltimore & Ohio Railroad bonds, .
Northern Central Railroad bonds, .
River Front Railroad bonds,
Camden & Atlantie Railroad bonds,
Borough of Beaver, Penn., bonds, .
Philadelphia & Reading Railroad bonds,
St. Louis, Vandalia & Terre Haute R.R. bonds
Pitts , Cincinnati & St. Louis R.R. bonds,
City of Columbus, O., water works bonds,
Lehigh Valley Railroad bonds,
Girard Point Storage bonds,
Susquehanna Coal Company bonds,
Borough of Sewickly, Penn., school bonds,
Dayton, O., city bonds, ....
Philadelphia & Baltimore Central R.R. bonds,
Monongahela City, Pa., sewer and street bonds,
Columbus, O., city bonds,
Warren & Franklin R. W. Co. bonds,
Pitts., Cincinnati & St. Louis Railroad bonds,
Jacksonville Southeastern R. W. bonds, .
Baltimore & Ohio R.R. bonds, .
Allegheny Valley R.R. bonds, .
Philadelphia Traction Co. bonds,
Borough of Sewickly, Pa , water bonds, .
Borough of Downingtown, Pa., water bonds,
Lehigh Coal & Navigation Co., bonds, .
Camden, N. J., city bonds,
Lancaster, Pa , school bonds, .
Penn. & N. Y. Canal & R.R. Co. bonds, .
Par Value.
$25,000 00
39,000 00
16,000 00
11,000 00
22,600 00
91,000 00
14,000 00
52,000 00
25,000 00
100,000 00
50,000 00
10,000 00
24,500 00
25,000 00
1,000 00
18,000 00
25,000 00
15,000 00
7,000 00
4,000 00
24,000 00
25,000 00
36,000 00
2,000/00
10,000 00
25,000 00
5,000 00
4,000 00
3,000 00
Market Value.
$25,500 00
43,580 00
16,000 00
11,550 00
23,730 00
100,790 00
14,840 00
60,320 00
25,750 00
110,400 00
44,000 00
11,800 00
25,725 00
28,500 00
1,060 00
19,440 00
26,000 00
15,450 00
8,120 00
3,000 00
28,320 00
32,500 00
37,080 00
2,100 00
10,500 00
26,250 00
5,150 00
4,160 00
2,850 00
1,077,450 00 $2,299,450 00
Securities held as collateral for cash loans : —
Philadelphia & Reading R.R. Co , .
Electric & People's Traction Co.,
Newark Passenger Railway Co.,
Pennsylvania Canal Co , .
Missouri, Kansas & Texas R.R. Co.,
625 shares Texas & Pacific R.R.,
500 " Union Pacific, Denver & Gulf R.R
300 " North American Company,
300 " Union Traction Company,
100 " Northern Pacific R.R., .
100 " Lake Erie & Western R R ,
159 " Louisville, NewAlbany'& Chic. R.R
20 " Huntingdon & Broad Top Mt. R.R
7 " Southern Railway Co., .
Market Value. Loaned Thereon.
$5,340 00
2,720 00
3,180 00
517 50
570 00
5,000 00
1,625 00
1,275 00
3,375 00
350 00
1,950 00
1,871 00
600 00
196 00 J
} $25,000 00
216
FRANKLIN FIRE INSURANCE CO.
Western New York & Pennsylvania R R.,
Philadelphia & Reading R R. Co., .
Sunbury, Hazeleton & Wilkesbarre R.R.,
Electric & People's Traction Co ,
Missouri, Kansas & Texas R.R. Co.,
Northern Pacific R.R. Co.,
New York, Phila. & Norfolk R.R., . - .
950 shares North American Co.,
300 " Pitts., Cinn , Chic. & St. Louis R.R.
100 " Union Pacific R.R., .
100 " St. Louis Southern R.R., .
100 " Choctow, Oklahoma & Gulf R.R.,
80 " Southern Railway, .
45 " Elmira & Williamsport R.R., .
25 " Atchison, Topeka & Santa Fe R.R
10 " Hestonville Pass. Railway,
5 " Guarantee Trust & Safe Dep. Co.,
Citizens' Pass. Railway, Indianapolis, Ind.,
400 shares United Gas Improvement Co ,
200 " Metropolitan Traction Co., .
100 " Philadelphia Traction Co.,
Cincinnati, Ind , St. Louis & Chic. R.R , .
New York & Long Branch R.R. Co.,
500 shares Philadelphia Traction Co.,
150 shares Record Publishing Co., .
Record Publishing Co. bonds, .
57 shares 13th & 15th Streets Pass. R'y Co.,
Market Value. Loaned Thereon.
$5,490 00 >,
3,040 00
3,210 00
1,360 00
1,140 00
1,150 00
1,075 00 j
4,037 50 I
4,350 00 )> $25,000 00
387 50
500 00
1,300 00
720 00
2,970 00
350 00
615 00
920 00
2,610 00 >|
32,400 00
20,000 00
6,525 00
38,000 00
11,000 00
32,625 00
30,000 00
15,000 00
13,224 00
5> 50,000 00
40,000 00
25,000 00
12,500 00
10,000 00
10,000 00
$262,568 50 $197,500 00
Summahy of Assets Dec. 31, 1895.
Cash value of unencumbered real estate, . $279,000 00
Loans on mortgage of real estate (first liens*), 233,808 00
Interest due or accrued thereon, . . . 3,507 12
Stocks and bonds, as per schedule, . . . 2,299,450 00
Loans on collateral security, as per schedule, . 197,500 00
Cash in the office of the company, . . . 3,057 84
Cash deposited in bank, 86,693 43
Interest due and accrued, 1,312 26
Premiums in course of collection (gross), . 65,222 93
Gross assets, $3,169,551 58
* Total value of property mortgaged,
Amount of insurance held as collateral,
$752,445 00
375,733 00
FRANKLIN FIRE INSURANCE CO.
217
Liabilities.
Losses adjusted, unpaid, .
claimed and reported,
disputed or resisted,
Total amount of losses, .
Less reinsurance,
Net amount of unpaid losses,
Unearned premiums on outstanding risks,
Reclaimable on perpetual fire policies, .
Dividends to stockholders unpaid, .
Commissions and brokerage, .
Gross liabilities, except capital,
Surplus as regards policy-holders, .
Paid-up capital,
Surplus over capital, .
$15,713 82
27,176 23
1,500 00
$44,390 05
2,880 63
$41,509 42'
454,851 00
1,193,448 62
410 00
8,838 90
- $1,699,057 94
. $1,470,493 64
400,000 00
.,070,493 64
Income.
Fire premiums outstanding Dec. 31, 1894, . $71,083 40
Premiums on risks written or renewed, . . 588,497 97
Total, . $659,581 37
Premiums now in course of collection, . . 65,222 93
Entire premiums collected, .... $594,358 44
Less reinsurance and return premiums, . . 104,601 57
Net cash fire premiums received, . . . $489,756 87
Interest received on mortgages, 14,842 73
Interest and dividends received from all other sources, . . 120,519 64
Income from rents, 8,245 79
Transfers, surveys, etc., . . . . . . . . 1,504 50
Deposits received for perpetual fire risks, . $12,413 24
Gross cash income, $634,869 53
Expenditures.
Cash paid for fire losses, $294,162 67
Deduct salvage and reinsurance, . . . 15,740 37
Net cash paid for fire losses, .... ■
Cash dividends paid,
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for incidentals, .
for repairs to real estate,
Deposits returned on perpetual fire risks, , $38,116 13
Gross cash expenditures,' .......
$278,422 30
99,890 00
88,278 93
38,140 00
20,960 98
86,710 13
2,819 98
$615,222 32
218
GERM AN- AMERICAN INSURANCE CO.
Risks and Pre iums.
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
Total, . . . . m .
Deduct risks expired and terminated,
In force at end of year, .
Deduct amount reinsured,
Net amount in force, .
. f83,853,259 00
. 50,157,976 00
$134,011,235 00
. 52,840,912 00
.$81,170,323 00
. 3,370,004 00
Premiums.
,742 89
588,497 97
,558,240 86
633,620 37
$924,620 49
38,375 18
$77,800,319 00 $886,245 3L
Perpetual risks in force (not included above), $57,737,973 00 $1,295,299 05
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company,
Fire losses incurred during the year, ....
Cash dividends declared from organization of company,
Dividends declared during the year (25 per cent.),
Company's stock owned by directors, ....
$30,230,372 00
16,114,023 00
293,366 00
5,384,000 00
100,000 00
22,500 00
» GERMAN-AMERICAN INSURANCE COMPANY," NEW YORK.
[Incorporated March, 1872. Commenced business March 7, 1872.]
Paid-up Capital, $1,000,000.
EMIL OELBERMANET, President.
WILLIAM S. NEWELL, Secretary.
Detailed Statement of Stocks and Bonds.
United States bonds, .
New York City bonds,
Brooklyn city bonds,
St Louis, Mo., bonds,
Portland, Ore., water bonds,
Atlanta, Ga , bonds, .
Nashville, Tenn , Water bonds,
Albany & Susquehanna R.R. bonds,
Chicago, Rock Island & Pacific R.R. bonds,
Chicago, Milwaukee & St. Paul R.R. bonds,
Chicago & Northwestern R.R. bonds,
Chicago, Burlington & Quincy R.R. bonds,
Central Pacific R.R. bonds,
Columbus, Hock. Valley & Toledo R.R bonds,
Columbus & Ninth Avenue R.R. bonds, . ,
Par Value. -
$751,000 00
r 927,784 00
175,000 00
100,000 00
50,000 00
25,000 00
25,000 00
75,000 00
150,000 00
120,000 00
154,000 00
155,000 00
50,000 00
25,000 00
5,000 00
Market Value.
$832,770 00
929,534 00
173,625 00
106,000 00
53,250 00
25,000 00
25,000 00
87,750 00
164,500 00
129,600 00
166,175 00
161,000 00
49,000 00
20,750 00
5,700 00
GERMAN-AMERICAN INSURANCE CO.
219
Erie R.R. bonds,
Hannibal & St. Joseph R.R. bonds, .
Little Miami R.R. bonds, .
Louis. & Nash, and Mobile & Mont'y bonds,
Louisville & Nashville R.R. bonds, .
Montana Central R.R. bonds, .
New York, N. H. & H. R.R. certs., .
Nashville, Chattanooga & St. Louis R.R. bonds
N. Y , Lackawanna & Western R.R. bonds,
N. Y., Susquehanna & Western R.R. bonds,
New York Central R.R. bonds,
New York, Chicago & St. Louis R.R. bonds,
New York, Lake Erie & Western R.R. bonds
Pennsylvania Co. bonds, ....
St. Paul, Minn. & Manitoba R.R. bonds, .
Syracuse, Binghampton & N. Y. R R. bonds,
Wabash R.R. bonds,
Allegheny Street Railway bonds,
Edison Electric Ilium. Co. of N. Y. bonds,
Minneapolis L. & M. Street Railway bonds,
Troy (N. Y.) City Railway bonds, .
Underwriters' Pro. Asso. of Newark, N. J.,b 1 ds.
Western Union Telegraph Co. bonds,
Maryland Steel Company bonds,
100 shares Albany & Susquehanna R.R.,
400 " Cleve., Cin., Chic. & St Louis R.R.
1,000 " Cayuga & Susquehanna R R.,
ftOO " Chic, Milwaukee & St. Paul R.R.
500 " Chicago & Northwestern R.R.,
200 " De't, Hillsdale & Southw'n R R ,
1,200 " Morris & Essex R.R., .
2,633 " New York & Harlem R.R., .
490 " N. Y., N. H. & Hartford R.R.,
200 " N. Y., Lackawanna & West'n R.R.
2,550 " Pennsylvania R.R.,
500 " Rensselaer & Saratoga R.R.,
300 " St. Paul, Minn. & Manitoba,
100 " American Exchange Nat 1 ! Bank,
200 " Central National Bank,
473 " National Bank of Commerce,
200 " Fourth National Bank,
221 " German-American Bank,
1,000 " Consolidated Gas Company,
300 " New York Mutual Gas Light Co.
700 " Standard Oil Trust,
440 " Western Union Telegraph Co.,
Par Value.
Rl 10,000 00
25,000 00
25,000 00
100,000 00
24,000 00
25,000 00
19,500 00
25,000 00
100,000 00
25,000 00
100,000 00
45,000 00
25,000 00
55,000 00
55,000 00
30,000 00
60,000 00
25,000 00
25,000 00
25,000 00
25,000 00
1,000 00
25,000 00
50,000 00
10,000 00
40,000 00
30,000 00
60,000 00
50,000 00
20,000 00
60,000 00
131,650 00
49,000 00
20,000 00
127,500 00
50,000 00
30,000 00
10,000 00
20,000 00
47,300 00
20,000 00
16,575 00
100,000 00
30,000 00
70,000 00
44,000 00
Market Value.
$151,960 00
29,500 00
27,500 00
105,000 00
26,640 00
28,500 CO
26,520 00
24,625 00
132,000 00
25,000 00
106,000 00
46,125 00
16,500 00
60,930 00
56,900 00
37,500 00
62,100 00
25,000 00
26,500 00
22,500 00
26,875 00
1,000 00
26,375 00
48,500 00
17,000 00
34,000 00
41,100 00
75,600 00
72,500 00
18,800 00
97,800 00
362,037 00
87,220 00
23,300 00
131,962 00
89,000 00
33,000 00
16,600 00
23,000 00
97,438 00
34,000 00
18,564 00
148,000 00
66,900 00
137,900 00
36,960 00
$4,854,309 00 $5,732,385 00
220
GERMAN- AMERICAN INSURANCE CO.
Summary of Assets Dec. 31, 1895.
Cash value of unencumbered real estate, . $25,000 00
Stocks and bonds, as per schedule, . . . 5,732,385 00
Cash in the office of the company, . . . 5,693 04
Cash deposited in bank, ..... 390,981 05
Interest due and accrued, ~~. 7,307 67
Premiums in course of collection (gross), . 418,702 32
Gross assets,* ....
Deduct special deposits in other States,
Liabilities.
5,878 99
245,880 87
59,615 08
$372,374 94
3,643 84
1,168,777 77
88,996 83
Balance, . .
Losses adjusted, unpaid, .
claimed and reported,
disputed or resisted,
Total amount of losses,
Less reinsurance,
Net amount of unpaid losses, .... $368,731 10
Unearned premiums on outstanding risks, . 2,591,902 88
Due and accrued for rent, salaries, etc., . . 8,264 89
Commissions and brokerage, .... 100,687 50
Return premiums, . . . . . . 3,610 60
Reinsurance, .... . . 93,785 49
Reinsurance disallowed, 1,795 31
Gross liabilities, except capital,
Deduct liability on special deposits,
Surplus as regards policy-holders, .
Paid-up capital, . . . .
Surplus over capital, .
Income
Fire premiums outstanding Dec. 31, 1894,
Same not collected, ....
Net collected, ....
Premiums on risks written or renewed,
Total, $4,037,136 53
Premiums now in course of collection, . . 418,702 32
Entire premiums collected,
Less reinsurance and return premiums,
Net cash fire premiums received,
Interest and dividends received from all sources,
Gross cash income,
5,580,069 08
126,300 00
1,453,769 08
3,079,780 94
£3,373,988 14
1,000,000 00
$2,373,988 14
$332,697 01
2,180 26
),516 75
3,706,619 78
1,618,434 21
878,251 88
$2,740,182 33
256,100 86
$2,996,283 19
* Including $500,000 special reserve fund held under New York law.
GERMANIA FIRE INSURANCE CO.
221
Expenditures.
Cash paid for fire losses, ....
Deduct salvage and reinsurance,
Net cash paid for fire losses, .
Cash dividends paid, ....
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for rent and incidentals, .
Gross cash expenditures, .
.,769,824 07
243,735 93
.,526,088 14
200,000 00
497,813 94
179,528 79
72,110 08
279,719 58
$2,755,260 53
Risks and Premiums.
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
Total,
Deduct risks expired and terminated,
In force at end of year, .
Deduct amount reinsured,
Net amount in force, .
$583,367,224 00
353,729,637 00
$937,096,861 00
395,271,624 00
$541,825,237 00
9,540,415 00
Premiums.
55,679,253 69
3,706,619 78
?9,385,873 47
4,055,283 11
^5,330,590 36
111,055 97
$532,284,822 00 $5,219,534 39
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company,
Fire losses incurred during the year, ....
Cash dividends declared from organization of company,
Dividends declared during the year (20 per cent.),
Company's stock owned by directors, ....
$43,712,472 00
23,124,347 00
1,388,512 00
3,340,000 00
200,000 00
281,100 00
"GERMANIA FIRE INSURANCE COMPANY," NEW YORK, N. Y.
[Incorporated March 2, 1859. Commenced business March 2, 1859.]
Paid-up Capital, $1,000,000.
HUGO SCHUMANN, President. CHARLES RUYKHAVER, Secretary.
Detailed Statement of Stocks and Bonds.
Par Value. Market Value.
United States bonds, $950,000 00 $1,059,250 00
Chicago & Northwestern Railway Co. bonds, . 36,000 00 39,600 00
Cleve., Col., Cin. & Indianapolis R R. bonds, . 25,000 00 31,625 00
Denver & Rio Grande Railroad bonds, . . 25,000 00 22,250 00
Dry Dock, East BVay & Battery R.R. bonds, . 10,000 00 11,300 00
Fargo & Southern Railway bonds, . . . 20,000 00 23,600 00
Flint & Pere Marquette Railroad bonds, . . 25,000 00 23,250 00
Georgia State bonds, 25,000 00 24,625 00
222
GERMANIA FIRE INSURANCE CO.
Hannibal & St. Jo. Railroad bonds, .
Harlem & Port Chester Railroad bonds, .
Kentucky Central Railway bonds, .
Long Island Railroad bonds, . . .
Louisville, New Albany & Chicago R.R. bonds
Michigan Central Railroad bonds, .
Milwaukee & Northern Railroad bonds, .
Milwaukee & St. Paul Railway bonds, .
Mississippi State bonds, . „ . .
Morris & Essex Railroad bonds,
N. Y., Brooklyn & Manhattan Beach R'y bonds
N. Y. Central & Hudson River R'y bonds,
Northern Pacific Railroad bonds,
Pennsylvania Company bonds,
Richmond City bonds, ....
Rome, Watertown & Ogdensburg R.R. bonds
St. Paul, Minn. & Manitoba Railway bonds,
St. Paul & Northern Pacific Railroad bonds,
Third Avenue Railroad Company bonds,
Toledo & Ohio Central Railway bonds, .
Underwriters' Protective Asso of Newark,
Union Elevated Railroad, Brooklyn, bonds,
Wabash Railroad bonds, ....
Chesapeake & Ohio R'y Co. bonds, .
Commercial Cable Co. stock,
Consolidated Gas Company stock, .
Broadway & Seventh Avenue R.R. stock,
Chicago & Alton Railroad stock,
Chicago, Milwaukee & St. Paul R.R. stock,
Chicago & Northwestern Railway Co. stock,
Chic, St. Paul, Minn. & Omaha R'y stock,
Delaware & Hudson Canal Company stock,
German-American Bank stock,
Lake Shore & Michigan Southern R'y stock,
National Park Bank stock,
N. Y. Central & Hudson River R.R. stock,
Pennsylvania Railroad stock, .
Pullman's Palace Car Co. stock,
Rome, Watertown & Ogdensburg R.R. stock,
Western Union Telegraph Company stock,
Par Value.
825,000 00
10,000 00
25,000 00
15,000 00
7,000 00
20,000 00
25,000 00
15,000 00
20,000 00
5,000 00
25,000 00
50,000 00
50,000 00
50,000 00
52,100 00
10,000 00
28,000 00
16,000 00
25,000 00
35,000 00
1,000 00
15,000 00
50,000 00
30,000 00
10,000 00
50,000 00
30,000 00
30,000 00
25,000 00
60,000 00
45,000 00
70,000 00
9,375 00
60,000 00
5,000 00
60,000 00
51,000 00
20,000 00
35,000 00
50,000 00
Market Value.
$29,125 00
12,000 00
22,375 00
18,150 00
8,050 00
23,800 00
29,125 00
18,300 00
20,000 00
5,900 00
25,625 00
52,500 00
58,750 00
56,750 00
52,881 50
11,850 00
29,145 00
19,760 00
29,500 00
36,750 00
1,000 00
15,000 00
51,500 00
28,650 00
18,000 00
74,000 00
60,000 00
48,000 00
31,750 00
87,000 00
54,225 00
87,150 00
10,593 75
84,600 00
13,750 00
57,900 00
53,295 00
31,200 00
42,000 00
42,750 00
>,330,475 00 $2,688,200 25
Summary of Assets Dec. 31, 1895.
Cash value of unencumbered real estate, , $455,281 51
Loans on mortgage of real estate (first liens*), 265,000 00
* Value of lands mortgaged, . .
Value of buildings thereon, . . .
Amount of insurance held aa collateral, .
$181,250 00
336,000 00
275,000 00
GERMANIA FIRE INSURANCE CO.
223
Interest due or accrued thereon, .
Stocks and bonds, as per schedule, .
Cash in the office of the company, .
Cash deposited in bank and with managers,
Premiums in course of collection (gross),
Rents due and accrued, . . . .
Gross assets,
Deduct special deposits in other States, .
Balance,
$6,191 25
2,688,200 25
1,645 48
101,703 33
190,734 67
4,789 19
1,713,545 68
77,506 50
1,636,039 18
Liabilities.
Losses adjusted, unpaid, .
claimed and reported, .
disputed or resisted,
Total amount of losses, . . .
Less reinsurance, . . .
Net amount of unpaid losses, .
Unearned premiums on outstanding risks,
Commissions and brokerage, .
Reinsurance due, ....
Reinsurance disallowed, .
Gross liabilities, except capital,
Deduct liability on special deposits,
Surplus as regards policy-holders, .
Paid-up capital, . .
Surplus over capital, .
|33,531 36
40,389 26
13,448 49
$87,369 11
10,588 01
5,781 10
1,248,325 95
28,699 73
31,362 22
76,081 78
11,461,250 78
13,231 20
1,448,019 58
. $2,188,019 60
. 1,000,000 00
. $1,188,019 60
Income.
Fire premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed, .
Total,
Premiums now in course of collection, .
Entire premiums collected, . . . . $1,684,430 54
Less reinsurance and return premiums, . . 466,516 10
Net cash fire premiums received,
Interest received on mortgages,
Interest and dividends received from all other sources, .
$192,020 24
1,683,144 97
^,875,165 21
190,734 67
Gross cash income,
,217,914 44
12,025 04
122,993 97
. $ 1,352,933 45
224
GIRARD FIRE AND MARINE INSURANCE CO.
Expenditures.
Cash paid for fire losses,
Deduct salvage and reinsurance,
Net cash paid for fire losses, . ,
Cash dividends paid,
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for incidentals, ....
Gross cash expenditures, ....
$581,895 57
74,382 67
$507,512 90
100,000 00
194,521 43
136,885 77
25,743 36
87,237 70
$1,051,901 16
Risks and Premiums.
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
Total
'Deduct risks expired and terminated,
In force at end of year, .
Deduct amount reinsured,
Net amount in force,
$295,561,739 00
193,736,796 00
Premiums.
$2,508,387 76
1,683,144 97
$489,298,535 00
177,710,688 00
54,191,532 73
1,515,224 87
$311,587,847 00
24,790,093 00
!,676,307 86
262,356 00
$286,797,754 00 $2,413,951 86
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company, .
Fire losses incurred during the year, ....
Cash dividends declared from organization of company,
Dividends declared during the year (10 per cent.),
Company's stock owned by directors, ....
$29,582,674 00
14,926,186 00
508,057 00
2,701,000 00
100,000 00
186,200 00
"GIRARD FIRE AND MARINE INSURANCE COMPANY,"
PHILADELPHIA, PA.
[Incorporated March, 1853. Commenced business May, 1853.]
Paid-up Capital, $300,000.
ALFRED S. GILLETT, President. EDWIN" F. MERRILL, Secretary.
Detailed Statement of Stocks and Bonds.
Par Value.
$72,000 00
10,000 00
10,000 00
United States bonds, .
Louisville city bonds,
St. Louis county bonds,
Seattle city bonds, .
Georgia State bonds,
Minnesota school bonds,
Norfolk & Western Railroad, Car Trust,
50,000 00
25,000 00
8,000 00
15,000 00
Market Value.
f 80,640 00
12,000 00
12,000 00
53,000 00
27,437 50
8,120 00
15,000 00
GIRARD FIRE AND MARINE INSURANCE CO.
225
Connecting Railroad bonds,
Pennsylvania Railroad Company bonds, .
Phila., Wilmington & Baltimore R.R. bonds,
Pitts., Cin., Chic. & St. Louis R.R. Co. bonds,
Pennsylvania Railroad Co. stock,
Lehigh Coal & Navigation Co. stock,
Lehigh Valley R.R. stock,
Delaware Railroad Company bonds,
Phila. & Reading Railroad bonds, .
Lehigh Coal & Navigation Company bonds,
North Pennsylvania Railroad bonds,
Lehigh Valley Railroad Company bonds,
Philadelphia & Darby Pass. Railroad stock,
Zanesville & Ohio Railroad bonds, .
Lower Merion Gas Company bonds,
Holmesburg Water Company bonds,
Hutchinson Water, Light and Power Co. b'ds
Philadelphia Bourse stock,
Borough Ridley Park bonds,
Girard Fire and Marine Ins. Co., $38,080 00
Securities held as collateral for cash loans : —
Lehigh Valley R.R. Co. bond, .
Notes secured by real estate, ....
Par Value.
$10,000 00
10,000 00
70,000 00
10,000 00
15,000 00
5,000 00
15,000 00
6,000 00
2,000 00
11,000 00
5,000 00
20,000 00
2,250 00
10,000 00
8,000 00
1,000 00
12,000 00
1,000 00
4,000 00
Market Value.
$11,150 00
13,200 00
72,800 00
10,800 00
15,600 00
4,400 00
10,800 00
6,435 00
180 00
11,330 00
6,200 00
20,400 00
1,485 00
2,000 00
8,166 67
1,000 00
9,000 00
700 00
4,100 00
$407,250 00 $417,944 17
Market Value. Loaned Thereon.
$1,295 00 $600 00
78,500 00 57,300 00
$79,795 00 $57,900 00
Summary of Assets Dec. 31, 1895.
Cash value of unencumbered real estate,
Loans on mortgage of real estate (first liens*)
Interest due or accrued thereon,
Stocks and bonds, as per schedule,
Loans on collateral security, as per schedule,
Cash in the office of the company,
Cash deposited in bank, .
Interest due and accrued, .
Premiums in course of collection (gross),
Notes taken for marine and inland risks,
Rents due and accrued,
Perpetual reinsurance, ete.,
Temporary mortgage loan,
Hotel furniture, .... $2,500 00
Gross assets,
$307,500 00
813,910 00
15,837 00
417,944 17
57,900 00
8,628 04
95,347 12
197 93
114,927 35
15,922 21
815 37
6,948 00
800 00
l,856,677 19
* Total value of property mortgaged,
Amount of insurance held as collateral,
$2,283,570 00
378,614 00
226
GIRARD FIRE AND MARINE INSURANCE CO.
Liabilities.
Losses claimed and reported, .
Losses disputed ox resisted,
Total amount of losses, .
Less reinsurance,
Net amount of unpaid losses, .
Unearned premiums on outstanding risks
Reclaimable on perpetual fire policies,
Due and accrued for rent, salaries, etc.,
State and local taxes,
Commissions and brokerage, .
Return premiums and reinsurance, .
Reinsurance disallowed, .
Gross liabilities, except capital,
Surplus as regards polkry-holders, .
Paid-up capital, ....
Surplus over capital, . .
136,236 43
9,318 09
$45,554 52
1,216 49
$44,338 03
386,422 52
533,267 92
838 29
1,572 92
30,319 58
11,818 57
4,443 78
1,013,021 61
$843,655 58
300,000 00
$543,655 58
Income.
Fire premiums outstanding Dec. 31, 1894,
Same not collected, ....
Net collected, ....
Premiums on risks written or renewed,
Total,
Premiums now in course of collection,
Entire premiums collected,
Less reinsurance and return XDremiums,
Net cash fire premiums received,
Interest received on mortgages,
Interest and dividends received from all
Income from rents, ....
Income from all other sources,
Deposits received for perpetual fire risks,
Gross cash income, ....
$104,413 01
1,940 29
$102,472 72
594,672 77
$697,145 49
130,849 56
$566,295 93
105.818 12
other sources,
$75,834 92
,477 81
43,696 11
23,899 11
4,928 10
782 00
|533,783 13
Expenditures.
Cash paid for fire losses, .
Deduct salvage and reinsurance,
Net cash paid for fire losses,
Cash dividends paid,
$201,673 04
14,103 32
1187,569 72
60,000 00
glen's FALLS INSURANCE CO.
227
Cash paid for commissions and brokerage, ....
for salaries of officers and employees,
for State and local taxes,
for incidentals,
Deposits returned on perpetual fire risks, . $23,285 78
Gross cash expenditures,
Risks and Premiums.
$88,706 08
56,537 84
18,284 79
26,366 64
Fire risks outstanding Dec. 31, 1894, .
Fire risks written during 1895, .
Total,
Deduct risks expired and terminated,
In force at end of year, . .
Deduct amount reinsured, .
Net amount in force, .
Perpetual risks in force (included above)
$96,962,247 00
51,775,657 00
$148,737,904 00
47,103,498 00
$101,634,406 00
3,209,606 00
$98,424,800 00
$27,000,226 00
$437,465 07
Premiums.
$1,322,516 53
594,672 77
$1,917,189 30
537,859 92
$1,379,329 38
34,766 02
$1,344,563 36
$592,519 91
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company,
Fire losses incurred during the year, . .
Cash dividends declared from organization of company,
Dividends declared during the year (20 per cent.) ,
Company's stock owned by directors, .
$11,791,088 00
4,879,233 00
190,721 00
1,725,196 00
60,000 00
33,200 00
" GLEN'S FALLS INSURANCE COMPANY," GLEN'S FALLS, N. Y.
[Incorporated May, 1849. Commenced business May, 1850.]
Paid-up Capital, $200,000.
J. L. CUNNING-HAM, President. R. A. LITTLE, Secretary.
Detailed Statement of Stocks and Bonds.
Par Value. Market Value.
N. Y. Central & Hudson River R.R. bonds, . $200,000 00 $240,000 00
New York & Harlem Railroad bonds, . . 100,000 00 112,000 00
Lake Shore & Michigan So. Railroad bonds, . 50,000 00 56,000 00
Syracuse, Bing. & New York Railroad bonds, . 53,000 00 67,575 00
Morris & Essex Railroad bonds, . . . 50,000 00 68,250 00
West Shore Railroad bonds, .... 50,000 00 50,000 00
Hudson River Pulp and Paper Co. bonds, . 300,000 00 300,000 00
Georgia State bonds, 25,000 00 25,000 00
Richmond city bonds, 11,000 00 10,230 00
First National Bank, Glen's Falls, stock, . ; 10,000 00 20,000 00
International Loan & Trust Company bonds, . 150,000 00 150,000 00
228
glen's FALLS INSURANCE CO.
German Trust Co., Davenport, Iowa bonds,
Glen's Falls Paper Mills Company bonds,
Cleveland Trust Co. stock,
Mt. Kisco National Bank stock,
Securities held as collateral for cash loans :
Morris & Essex R.R. bonds, . ...
Summary of Assets Dec
Cash value of unencumbered real estate,
Loans on mortgage of real estate (first liens*)
Interest due or accrued thereon,
Stocks and bonds, as per schedule, .
Loans on collateral security, as per schedule,
Cash in the of6ce of the company, .
Cash deposited in bank, ....
Interest due and accrued, ....
Premiums in course of collection (gross),
Due for reinsurance,
Premiums more than three mos. due, $4,123 34
Gross assets,f
Deduct special deposits in other States, .
Par Value.
$150,000 00
240,000 00
5,000 00
5,000 00
Market Value.
$150,000 00
240,000 00
6,000 00
5,000 00
Balance,
Liabilities.
Losses adjusted, unpaid, .
claimed and reported,
disputed or resisted,
Total amount of losses,
Less reinsurance,
Net amount of unpaid losses,
Unearned premiums on outstanding risks,
Due and accrued for rent, salaries, etc.,
Commissions and brokerage, .
Reinsurance disallowed, .
Gross liabilities, except capital,
Deduct liability on special deposits,
Surplus as regards policy-holders, .
Paid-up capital,
Surplus over capital, .
$1,399,000 00 $1,500,055 00
Market Value. Loaned Thereon.
$4,095 00 $4,000 00
31, 1895.
$44,650 00
860,873 81
5,481 77
1,500,055 00
4,000 00
4,484 85
129,104 40
11,531 94
86,477 66
34 73
1,646,694 16
35,230 00
?,611,464 16
$9,194 80
14,309 00
11,085 00
$34,588 80
1,779 95
$32,808 85
857,728 80
10,000 00
13,578 84
5,345 21
$919,461 70
10,064 17
909,397 53
$1,702,066 63
200,000 00
$1,502,066 63
* Total value of property mortgaged, .... $1,955,150 00
Amount of insurance held as collateral, . . . 749,678 00
f Including $200,000 special deposit held under New York law.
GLENS FALLS INSURANCE CO.
229
Income.
Fire premiums outstanding Dec. 31, 1894, . $73,656 91
Same not collected, 805 91
Net collected, $72,851 00
Premiums on risks written or renewed, . . 972,189 84
Total, $1,045,040 84
Premiums now in course of collection, . . 90,601 00
Entire premiums collected, .... $954,439 84
Less reinsurance and return premiums, . . 148,793 03
Net cash fire premiums received,
Interest received on mort^a^es,
Interest and dividends received from all other sources,
Income from rents,
Gross cash income, ....
Expenditures.
Cash paid for fire losses, ....
Deduct salvage and reinsurance,
Net cash paid for fire losses, .
Cash dividends paid, .....
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for incidentals,
Gross cash expenditures, .
$387,060 74
17,968 25
5,646 81
42,169 97
90,282 19
1,255 06
$939,354 03
$369,092 49
40,000 00
156,831 46
60,434 36
36,344 34
61,876 09
$724,578 74
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
Risks and Premiums.
Premiums.
$146,814,749 00 $1,587,412 67
88,447,232 00 972,189 84
Total, . .
Deduct risks expired and terminated,
In force at end of year,
Deduct amount reinsured,
Net amount in force, .
$235,261,981 00 $2,559,602 51
76,947,754 00 835,427 36
$158,314,227 00 $1,724,175 15
7,398,281 00 101,595 62
$150,915,946 00 $1,622,579 53
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company, .
Fire losses incurred during the year, .
Cash dividends declared from organization of company,
Dividends declared during the year (20 per cent.),
Company's stock owned by directors, .
$14,142,866 00
6,988,309 00
350,055 00
640,000 00
40,000 00
73,760 00
230
GLOBE FIRE INSURANCE CO.
« GLOBE FIRE INSURANCE COMPANY," NEW YORK.
[Incorporated March, 1863. Commenced business March, 1863.]
Paid-up Capital, $200,000.
E. C. JAMESON, President. WM. VALENTINE, Secretary.
Detailed Statement of Stocks and Bonds.
United States bonds,
New York City Dock bond,
District of Columbia bonds,
Broadway & Seventh Avenue R.R. bonds,
Chicago & Erie R R. bonds,
400 shares New York & Harlem R.R.,
100 " Delaware & Hudson Canal Co.,
100 " N. Y. Cent. & Hudson River R.R.,
50 " Consolidated Gas Co.,
Par Value.
$135,000 00
26,000 00
25,000 00
5,000 00
10,000 00
20,000 00
10,000 00
10,000 00
5,000 00
Market Value.
$148,500 00
26,520 00
28,000 00
5,625 00
10,700 00
52,000 00
12,500 00
9,800 00
7,400 00
$246,000 00 $301,045 00
Summary of Assets Dec. 31, 1895.
st liens*),
Loans on mortgage of real estate (fir
Interest due or accrued thereon,
Stocks and bonds, as per schedule,
Cash in the office of the company,
Cash deposited in bank, .
Interest due and accrued, .
Premiums in course of collection (gross),
Gross assets,
$24,500 00
335 00
301,045 00
406 81
20,848 60
125 00
60,676 29
$407,936 70
Liabilities.
Losses adjusted, unpaid, ....
claimed and reported, .
disputed or resisted,
Total amount of losses, ....
Less reinsurance,
Net amount of unpaid losses, .
Unearned premiums on outstanding risks,
Commissions and brokerage, .
$2,141 80
37,388 60
1,750 00
$41,280 40
10,000 00
$31,280 40
120,010 84
18,574 79
* Value of lands mortgaged,
Value of buildings thereon,
Amount of insurance held as collateral,
$30,000 00
20,000 00
16,500 00
GLOBE FIRE INSURANCE CO.
231
Due for reinsurance, .
Reinsurance disallowed, .
Gross liabilities, except capital,
Surplus as regards policy-holders, .
Paid-up capital, .
$1,805 67
10,000 00
Surplus over capital, ....
Income.
Fire premiums outstanding Dec. 31, 1894, . $35,850 66
Premiums on risks written or renewed, . . 271,584 65
Total, $307,435 31
Premiums now in course of collection, . . 60,676 29
Entire premiums collected, .... $246,759 02
Less reinsurance and return premiums, . . 50,325 21
Net cash fire premiums received, . . .
Interest received on mortgages, . .
Interest and dividends received from all other sources, .
Gross cash income,
Expenditures.
Cash paid for fire losses,
Deduct salvage and reinsurance,
Net cash paid for fire losses, .....
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for incidentals, ....
$63,225 80
7,380 70
Gross cash expenditures,
$181,671 70
$226,265 00
200,000 00
$26,265 00
$196,433 81
882 50
10,952 50
$208,268 81
$55,845 10
56,262 45
3,600 00
1,380 58
2,910 60
$119,998 73
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895, ' .
Risks and Premiums.
Premiums.
,966,131 00 $150,496 83
25,688,026 00 271,584 65
Total,
Deduct risks expired and terminated,
In force at end of year,
Deduct amount reinsured,
Net amount in force, .
.$45,654,157 00 $422,081 48
. 21,182,245 00 178,041 48
,471,912 00 $244,040 00
275,984 00 876 40
. $24,195,928 00 $243,163 60
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company, .
Fire losses incurred during the year, ....
Cash dividends declared from organization of company,
Company's stock owned by directors, ....
52,873,155 00
1,451,775 00
82,007 00
630,000 00
22,150 00
232
GRANITE STATE FIRE INSURANCE CO.
"GRANITE STATE FIRE INSURANCE COMPANY,"
PORTSMOUTH, N. H.
[Incorporated July 17, 1885. Commenced business Nov. 12, 1885.]
Paid-up Capital, $200,000.
FRANK JONES, President. ALFRED F. HOWARD, Secretary.
Detailed Statement of Stocks
City of Manchester, N. H., bonds, .
Town of Harrisville, N. H., bonds, .
Palouse City, Wash., water bonds, .
St. Cloud Gas & Electric Co. bonds,
Nashua Card & Glazed Paper Co. bonds
Front St. Cable R'y Co. of Seattle, Wash., I
Eastman Freight Car Heater Co. bonds,
Fort Plain, N. Y., Water Co. bonds,
Nat'l Loan & Trust Co., Kansas City, Mo., b'ds
New Hampshire Trust Co. bonds, .
Chippewa Falls Water Works Co. bonds
123 shares Boston & Maine Railroad,
1 share Worcester, Nashua & Rochester R.R.
50 shares Wolfboro' Loan & Banking Co.
Wolfboro', N. H., ......
133 shares Dover Gas Light Co.,
50 shares Intern'l Loan & Trust Co., Kan. City
Securities held as collateral for cash loans : -
40 shares Indian Head Natl B'k, Nashua, N. H.,
Portsmouth, Gt. Falls & Conway R.R. bonds, .
and Bonds.
Par Value.
$100,000 00
15,000 00
4,800 00
10,000 00
5,000 00
35,000 00
26,000 00
10,000 00
2,500 00
10,000 00
9,000 00
12,300 00
100 00
5,000 00
3,325 00
5,000 00
Market Value.
$106,500 00
16,200 00
5,520 00
10,500 00
5,000 00
36,750 00
26,000 00
10,000 00
2,500 00
8,000 00
9,000 00
20,910 00
120 00
5,250 00
3,591 00
4,000 00
$253,025 00 $269,841 00
Market Value. Loaned Thereon.
$3,335 00
1,150 00
$4,000 00
t,485 00
$4,000 00
Summary of Assets Dec. 31, 1895.
Cash value of unencumbered real estate, .
Loans on mortgage of real estate (first liens *)
Interest due or accrued thereon,
Stocks and bonds, as per schedule, .
Loans on collateral security, as per schedule,
Cash in the office of the company, ,
Cash deposited in bank, ....
Interest due and accrued, ....
Premiums in course of collection (gross),
Gross assets,
$8,700 00
47,480 00
797 52
269,841 00
4,000 00
2,144 92
30,435 93
1,838 79
50,601 83
$415,839 99
* Value of lands mortgaged,
Value of buildings thereon,
Amount of insurance held as collateral,
$63,500 00
53,100 00
39,825 00
GRANITE STATE FIRE INSURANCE CO.
233
Liabilities.
Losses adjusted, unpaid, .
claimed and reported, .
disputed or resisted,
Total amount of losses,
Less reinsurance,
Net amount of unpaid losses, .
Unearned premiums on outstanding
Commissions and brokerage, .
Return premiums, reinsurance,
Reinsurance disallowed, .
Gross liabilities, except capital,
Surplus as regards policy-holders,
Paid-up capital,
Surplus over capital, .
risks
,312 41
9,542 00
3,500 00
$32,354 41
12,028 36
$20,326 05
156,473 94
4,144 34
4,514 27
3,651 27
$189,109 87
$226,730 12
200,000 00
$26,730 12
Income.
Fire premiums outstanding Dec. 31, 1894, . $65,496 13
Premiums on risks written or renewed, . . 422,947 83
Total, |488,443 96
Premiums now in course of collection, . . 50,601 83
Entire premiums collected, .... $437,842 13
Less reinsurance and return premiums, . . 126,840 04
Net cash fire premiums received, . . . — $311,002 09
Interest received on mortgages, 2,407 05
Interest and dividends received from all other sources, . . 11,444 09
Gross cash income, ........ $324,853 23
Expenditures.
Cash paid for fire losses, . .
Deduct salvage and reinsurance,
Net cash paid for fire losses, ....
Cash dividends paid,
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for incidentals,
Gross cash expenditures, ....
$262,894 87
62,037 29
$200,857 58
12,000 00
60,153 85
10,680 00
6,467 60
26,674 26
$316,833 29
234
THE GKEENWIOH INSURANCE CO.
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
Risks and Premiums.
Premiums.
. 138,607,201 00 $458,329 83
. 31,208,676 00 422,947 84
Total, .
Deduct risks expired and terminated,
In force at end of year,
Deduct amount reinsured,
Net amount in force, .
. $69,815,877 00 $881,277 67
. 32,200,989 00 434,646 64
$37,614,888 00 $446,631 03
11,913,041 00 145,677 16
. $25,701,847 00 $300,953 87
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company, .
Fire losses incurred during the year, .
Cash dividends declared from organization of company,
Dividends declared during the year (6 per cent.), .
Company's stock owned by directors,
$4,805,931 00
2,166,623 00
196,373 00
72,000 00
12,000 00
123,100 00
" THE GREENWICH INSURANCE COMPANY," NEW YORK, N. Y.
[Incorporated May 5, 1834. Commenced business Jan. 1, 1835.]
Paid-up Capital, $200,000.
MASON A. STONE, President. NICHOLAS W. MESEROLE, Secretary.
Detailed Statement of Stocks and Bonds.
Par Value. Market Value.
United States government bonds, . . .- $36,500 00 $40,150 00
District of Columbia bonds, .... 125,000 00 139,375 00
Harlem River & Port Chester Railroad bonds, 10,000 00 11,500 00
N. Y. Central & Hudson River R.R. bonds, . 60,000 00 73,500 00
Albany & Susquehanna Railroad bonds, . . 80,000 00 94,400 00
Oswego & Syracuse Railroad bonds, . . 53,000 00 58,300 00
Buffalo & Erie Railroad bonds, . . . 9,500 00 10,212 50
State of Georgia bonds, . . . . 25,000 00 25,687 50
Rome, Watertown & Ogdensburg R R. bonds, 5,000 00 5,925 00
Consolidated Gas Co. of New York stock, . 100,000 00 148,000 00
Rensselaer & Saratoga Railroad stock, . . 60,000 00 108,000 00
Valley Railroad Company stock, . . . 35,000 00 40,250 00
National Broadway Bank stock, . . . 17,500 00 42,000 00
Delaware & Hudson Canal Company stock, . 60,000 00 74,700 00
New York, Lack. & Western Railroad stock, . 25,000 00 29,250 00
$701,500 00 $901,250 00
THE GREENWICH INSURANCE CO.
235
Securities held as collateral for cash loans : —
7 shares N. Y., New Haven & Hartford R.R.,
10 shares Canada Southern Railway Co.,.
Market Value. Loaned Thereon.
$1,274 00 81,000 00
480 00 400 00
.,754 00 $1,400 00
Summary of Assets Dec. 31, 1895.
Cash value of unencumbered real estate, .
Loans on mortgage of real estate (first liens*),
Interest due or accrued thereon, . ■
Stocks and bonds, as per schedule, .
Loans on collateral security, as per schedule,
Cash in the office of the company, .
Cash deposited in bank, ....
Interest due and accrued, ....
Premiums in course of collection (gross),
Notes taken for marine and inland risks,
Premiums more than three mos. due, $32,203 83
Gross assets,
Deduct special deposits in other States, .
Balance, $1,336,630 79
$200,000 00
1,100 00
33 00
901,250 00
1,400 00
1,225 75
94,700 86
30 00
151,583 66
21,995 02
.,373,318 29
36,687 50
Liabilities.
Losses adjusted, unpaid, .
claimed and reported,
disputed or resisted,
Total amount of losses, .
Less reinsurance,
Net amount of unpaid losses,
Unearned premiums on outstanding risks,
Reclaimable on perpetual fire policies,
State and local taxes,
Commissions and brokerage, .
Return premiums, etc.,
Reinsurance disallowed, .
Gross liabilities, except capital,
Deduct liability on special deposits, .
Surplus as regards policy-holders, .
Paid-up capital,
Surplus over capital, .
$22,509 00
151,609 48
41,061 31
$215,179 79
13,685 59
$201,494 20
780,113 01
931 50
2,500 00
24,000 00
1,445 00
16,494 39
$1,026,978 10
30,575 70
996,402 40
|340,228 39
200,000 00
, $ 140,228 39
* Value of lands mortgaged,
Value of buildings thereon, .
Amount of insurance held as collateral,
$6,000 00
3,000 00
3,000 00
236
THE GKEENWICH INSURANCE CO.
Income.
Fire premiums outstanding Dec. 31, 1894,
Same not collected,
Net collected,
Premiums on risks written or renewed, .
Total, ......
Premiums now in course of collection, .
Entire premiums collected,
Less reinsurance and return premiums, .
Net cash fire premiums received,
Marine premiums outstanding Dec. 31, 1894,
Same not collected, . .
Net collected,
Premiums on risks written or renewed, .
Total,.
Premiums now in course of collection, .
Entire premiums collected,
Less reinsurance and return premiums, .
Net cash marine premiums received,
Interest received on mortgages,
Interest and dividends received from all other
Income from rents, . . .
Gross cash income,
$167,106 65
28,531 08
$138,575 57
1,170,949 04
$1,309,524 61
201,508 92
$1,108,015 69
215,968 51
$13,137 37
980 04
$12,157
138,642
33
41
$150,799 74
4,273 59
$146,526
13,826
15
65
sources,
$892,047 18
132,699 50
139 16
42,379 87
17,125 02
$1,084,390 73
Expenditures.
Cash paid for fire losses, $540,584 56
Deduct salvage and reinsurance, . . . 56,806 05
Net cash paid for fire losses, ....
Cash paid for marine and inland losses, . . $145,380 97
Deduct salvage and reinsurance, . . . 17,342 35
Net cash paid for marine and inland losses, .
Cash dividends paid, ......
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for rent,
for incidentals, ....
$483,778 51
128,038 62
20,000 00
190,931 08
102,279 84
14,896 04
12,000 00
72,445 07
Gross cash expenditures,
$1,024,369 16
HANOVER FIRE INSURANCE CO.
237
Risks and Premiums.
Fire risks outstanding Deo. 31, 1894,
Fire risks written during 1895,
Total,
Deduct risks expired and terminated,
In force at end of year, .
Deduct amount reinsured,
Net amount in force,
Marine risks outstanding Dec. 31, 1894,
Marine risks written during 1895, .
Total,
Deduct risks expired and terminated,
In force at end of year, .
Deduct amount reinsured,
Net amount in force,
$248,932,908 00
152,991,012 00
Premiums.
I 1,512,536 73
1,170,949 04
$401,923,920 00 $2,683,485 77
161,102,927 00 1,182,040 33
$240,820,993 00 $1,501,445 44
18,408,258 00 103,719 89
$222,412,735 00 $1,397,725 55
$1,860,145 00 $60,334 67
33,676,054 00 138,642 4*1
$35,536,199 00
32,977,228 00
$198,977 08
117,638 90
$2,558,971 00
142,450 00
$81,338 18
4,811 60
1,416,521 00 $76,526 58
Miscellaneous .
Premiums received from organization of company,
Losses paid from organization of company, .
Fire losses incurred during the year, ....
Marine and inland losses incurred during the year,
Cash dividends declared from organization of company,
Dividends declared during the year (10 per cent.),
Company's stock owned by directors, ....
$16,037,598 00
10,207,904 00
486,317 00
146,014 00
2,090,000 00
20,000 00
79,075 00
"HANOVER FIRE INSURANCE COMPANY," NEW YORK, N. Y.
[Incorporated April, 1852. Commenced business April, 1852.]
Paid-tjp Capital, $1,000,000.
I. REMSEN LANE, President. CHARLES L. ROE, Secretary.
Detailed Statement of Stocks and Bonds.
United States bonds, ....
State of Georgia coupon bonds,
City of Richmond, Va,, bonds, .
Kansas Pacific Railway bonds, .
Flint & Pere Marquette Railroad bonds,
Cincinnati & Springfield Railway bonds,
Central Railroad Co. of New Jersey bonds,
New York Elevated R.R. Co. bonds,
Chicago, Milwaukee & St. Paul Railway bonds,
Par Value.
$98,000 00
25,000 00
50,000 00
50,000 00
30,000 00
19,000 00
50,000 00
20,000 00
20,000 00
Market Value.
$104,840 00
28,300 00
55,250 00
37,500 00
35,550 00
19,950 00
58,000 00
21,000 00
22,150 00
238
HANOVER FIRE INSURANCE CO.
Louisville, N. A. & Chicago Railway bonds,
Pennsylvania Company bonds,
Flint & P&re Marquette Railroad bonds, .
Chicago, Burlington & Quincy R.R. bonds,
New York city bonds, ....
New York, New Haven & Hart. R.R. certs.,
Cin., Ind., St. Louis & Chic. R'y bonds, .
Brooklyn City R.R. bonds,
Lehigh Valley Terminal bonds,
Chic, Rock Island & Pacific R.R. bonds, .
100 shares Rensselaer & Saratoga Railroad,
240 " Rome, Watert'n & Ogdens'h R.R.
. 220 " Chic, Burl. & Quincy Railroad,
210 " Chic, Rock Island & Pacific R.R.
500 " Chicago & Northwestern Railway
1,000 " New York Cen. & Hudson R. R.R
200 " St. Paul, Minn & Mani. R'y Co.,
350 " Chicago & Northwestern R'y Co.
191 " Syracuse, Bing. & New York R.R.
500 " Cleve., Cin., Chic. & St. Louis R'y
400 " Lake Shore & Mich . Southern R'y
75 " Metropolitan National Bank,
1,000 " Pennsylvania R.R.,
250 " Chic, Milwaukee & St. Paul R'y
150 " American Exchange Nat'l Bank,
36 " Western National Bank,
75 " Bank of America, . . .
1,000 " Consolidated Gas Company, N. Y.
550 " Western Union Telegraph Co.,
Summary of Assets Dec
Cash value of unencumbered real estate, .
Loans on mortgage of real estate (first liens*)
Interest due or accrued thereon,
Stocks and bonds, as per schedule, .
Cash in the office of the company, .
Cash deposited in bank, ....
Interest due and accrued, ....
Premiums in course of collection (gross),
Rents and reinsurance, ....
Gross assets, . ...
Deduct special deposits in other States, .
Premiums more than three mos. due, $15,881 02
Par Value.
|15,000 00
36,000 00
30,000 00
25,000 00
335,000 00
50,000 00
25,000 00
25,000 00
20,000 00
20,000 00
10,000 00
24,000 00
22,000 00
21,000 00
50,000 00
100,000 00
20,000 00
35,000 00
19,100 00
50,000 00
40,000 00
7,500 00
50,000 00
25,000 00
15,000 00
3,600 00
7,500 00
100,000 00
55,000 00
Market Value.
$15,037 50
39,060 00
27,900 00
25,000 00
335,000 00
69,000 00
24,875 00
28,000 00
22,600 00
20,400 00
18,200 00
29,040 00
16,995 00
14,227 50
49,750 00
97,125 00
23,000 00
50,750 00
31,515 00
47,500 00
56,400 00
75 00
52,125 00
31,750 00
26,100 00
4,086 00
24,375 00
148,500 00
47,300 00
$1,597,700 00 |1,758,226 00
31, 1895.
|450,000 00
22,000 00
91 66
1,758,226 00
56,395 34
55,692 77
12,460 00
177,493 08
1,268 35
12,533,627 20
81,850 00
Balance, $2,451,777 20
* Value of lands mortgaged,
Value of buildings thereon, .
Amount of insurance held as collateral,
$28,500 00
29,500 00
22,000 00
HANOVER FIRE INSURANCE CO.
239
LlAKILITIES.
Losses adjusted, unpaid, .
claimed and reported, .
disputed or resisted,
Total amount of losses,
Less reinsurance,
Net amount of unpaid losses, .
Unearned premiums on outstanding
Commissions and brokerage, .
Reinsurance disallowed, .
risks,
Gross liabilities, except capital,
Deduct liabilities on special deposits,
Surplus as regards policy-holders, .
Paid-up capital, ....
Surplus over capital, .
591,741 62
92,961 01
18,686 22
$203,388 85
13,709 80
$189,679 05
1,104,525 09
29,777 94
2,601 00
5 1,326,583 08
29,941 56
$1,296,641 52
$1,155,135 68
1,000,000 00
$155,135 68
Income.
Fire premiums outstanding Dec. 31, 1894, . $175,508 19
Same not collected, 12,155 77
Net collected, $163,352 42
Premiums on risks written or renewed, . . 1,811,143 98
Total, $1,974,496 40
Premiums now in course of collection, . . 193,374 10
Entire premiums collected, .... $1,781,122 30
Less reinsurance and return premiums , . . 277,259 31
Net cash fire premiums received, . . .
Interest received on mortgages,
Interest and dividends received from all other sources, .
Income from rents,
Gross cash income,
$1,503,862 99
1,126 67
69,176 58
16,013 98
$1,590,180 22
Expenditures.
Cash paid for fire losses,
Deduct salvage and reinsurance,
Net cash paid for fire losses, ....
Cash dividends paid,
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for incidentals,
Gross cash expenditures, ....
$813,335 40
90,937 59
$722,397 81
70,000 00
264,375 69
138,740 13
34,259 29
127,913 42
$1,357,686 34
240
HARTFOKD FIRE INSURANCE CO.
Risks and Premiums.
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
Total,
Deduct risks expired and terminated,
In force at end of year, .
Deduct amount reinsured,
Net amount in force, .
$193,505,433 00
153,987,728 00
$347,493,161 00
145,125,819 00
$202,367,342 00
19,097,836 00
Premiums.
$2,204,226 10
1,811,143 98
$4,015,370 08
1,699,253 10
>,316,116 98
253,237 03
$183,269,506 00 $2,062,879 95
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company,
Fire losses incurred during the year,
Cash dividends declared from organization of company,
Dividends declared during the year (7 per cent.), .
Company's stock owned by directors,
$28,866,741 00
16,208,123 00
758,597 00
2,479,500 00
70,000 00
154,250 00
"HARTFORD FIRE INSURANCE COMPANY," HARTFORD, CONN.
[Incorporated May, 1810. Commenced business August, 1810.]
Paid-up Capital, $1,250,000.
GEORGE L. CHASE, President. P. C. ROTCE, Secretary.
Detailed Statement op Stocks and Bonds.
Par Value. Market Value.
iEtna National Bank, Hartford, . $31,500 00 $44,100 00
American Nat'l Bank, Hartford, . 15,000 00 21,000 00
Charter Oak Nat'l Bank, Hartford, 20,000 00 20,000 00
City Bank, Hartford, . . . 16,600 00 17,430 00
Conn. River Banking Co., Hart., . 3,000 00 4,200 00
Conn. Trust & Safe Dep. Co., Hart., 23,000 00 39,100 00
Farm. & Mec. Nat'l Bank, Hart., . 12,200 00 14,030 00
First National Bank, Hartford, . 17,200 00 19,780 00
Hartford Nat'l Bank, Hartford, . 55,600 00 80,620 00
Mercantile Nat'l Bank, Hartford, 15,000 00 12,750 00
Nat'l Exchange Bank, Hartford, . 2,000 00 2,600 00
Phoenix National Bank, Hartford, 46,700 00 56,040 00
State Bank, Hartford, . . . 10,000 00 11,000 00
Am. Exchange Nat'l Bank, N. Y., 20,000 00 34,400 00
Bank of America, N. Y., . . 15,000 00 50,250 00
Bank of No. America, N. Y., . 7,000 00 10,500 00
Imp. & Traders' Nat'l B'k, N. Y., 30,000 00 162,000 00
Manhattan Co. Bank, N. Y., . 10,000 00 19,700 00
Merchants' Nat'l Bank, N. Y., . 16,700 00 23,380 00
Metropolitan Nat'l Bank, N. Y., . 22,500 00 1,500 00
315 shares
300
tt
200
It
166
tt
100
((
230
((
122
cc
172
cc
556
tt
150
tt
40
(t
467
(C
100
(i
200
c't
150
It
100
tt
300
tt
200
tt
334
tt
225
tt
HARTFORD FIRE INSURANCE CO.
241
100 shares Nat*l Bank of Commerce, N. Y.,
39 " Atlantic Nat'l Bank, Boston,
70 " Blackstone Nat'l Bank, Boston,
125 " Boylston Nat'l Bank, Boston,
100 " First Nat'l Bank, Boston,
24 " Hide & Leather Nat'l B'k, Boston,
32 " Nat'l Bank of Commerce, Boston,
109 " Second Nat'l Bank, Boston, .
50 " First National Bank, Albany,
150 " Bank of Montreal, Montreal,
65 '* Ontario Bank, Bowmanville,
710 " Chicago, Burl. & Quincy R R.,
770 " Chicago, Mil. & St. Paul R.R.,
700 " Chicago & Northwestern R R.,
220 " Chicago, Rock Is. & Pacific R.R ,
1,000 " Conn. & Passumpsic Rivers R.R.,
120 " Connecticut River Co., .
20 " Connecticut River Railroad Co.,
500 " N. Y. Central & Hud River R.R.
1,875 " N. Y., N. H. & Hartford R.R.,
500 " Northwestern Telegraph Co.,
200 " Union Pacific Railroad Co., .
Albany & Susquehanna R.R bonds,
Alabama State bonds, ....
Brooklyn Wharf & Warehouse Co. bonds,
Baltimore Belt R.R. bonds,
Canadian Pacific R R. bonds, .
Chicago & Western Indiana R.R. bonds, .
Chicago & Northwestern R.R. bonds,
Chicago, Burlington & Quincy R.R. bonds,
Chicago & Great Western R.R. bonds,
Chicago, Milwaukee & St. Paul R.R. bonds,
City of Indianapolis Belt R.R. bonds,
Cincinnati, Ind., St. Louis & Chic. R R. bonds
Cincinnati, Hamilton & Dayton R.R. bonds,
Cleveland, Columbus, Cin. & Ind. R.R bonds
Connecticut River R.R. bonds, .
Dayton & Michigan R.R. bonds,
Detroit, Lansing & Northern R.R bonds,
Dubuque, Iowa, city bonds,
Easton & Amboy R.R. bonds, .
Georgia State bonds, ....
Harlem River & Port Chester R.R. bonds,
Hartford Street Railway Co. bonds,
Housatonic R R. certificates,
Indianapolis & Vincennes R R. bonds,
Iowa Falls & Sioux City R R. bonds,
Jefferson R.R. bonds, ....
Tar Value.
$ 10,000 00
3,900 00
7,000 00
12,500 00
10,000 00
2,400 00
3,200 00
10,900 00
5,000 00
30,000 00
6,500 00
71,000 00
77,000 00
70,000 00
22,000 00
100,000 00
12,000 00
2,000 00
50.000 00
187,500 00
25,000 00
20,000 00
50,000 00
10,000 00
100,000 00
100,000 00
48,666 00
318,000 00
98,000 00
61,600 00
36,000 00
28,000 00
74,000 00
120,000 00
55,000 00
58,000 00
1,000 00
59,000 00
50,000 00
25,000 00
150,000 00
25,000 00
50,000 00
100,000 00
100,000 00
32,000 00
82,000 00
50,000 00
Market Value.
$20,600 00
4,797 00
7,000 00
16,250 00
24,000 00
2,568 00
3,584 00
19,729 00
8,250 00
66,000 00
5,460 00
54,315 00
74,375 00
78,500 00
14,960 00
105,000 00
3,000 00
5,000 00
49,000 00
341,250 00
28,750 00
1,000 00
59,000 00
11,000 00
103,000 00
100,000 00
57,750 00
370,910 00
109,160 00
64,166 00
37,800 00
35,840 00
76,220 00
129,600 00
66,000 00
65,560 00
1,000 00
64,900 00
32,500 00
25,000 00
165,000 00
26,250 00
62,250 00
102,000 00
105,0( 00
36,800 00
102,500 00
52,000 00
242
HARTFORD FIRE INSURANCE CO.
Lake Shore & Michigan Southern R R. bonds,
Lehigh Valley R.R. bonds,
Lou. & Frankft &Lex. & Frankft R.R. bonds,
Minneapolis Union R.R. bonds,
Milwaukee & St. Paul R.R. bonds, .
Montreal Corporation bonds, .
Minnesota State warrants,
Milwaukee, Lake Shore & Western R.R. bonds
Nashville & Decatur R.R. bonds,
New Brunswick, N. J., city bonds, .
Northern Pacific R.R. bonds, .
New York Central & Hudson River R.R. bonds
New York & New England R.R. bonds, .
N.Y., New Haven & Hartford R.R. certificates
Pittsburg, Cincinnati & St. Louis R.R. bonds,
Philadelphia & Reading R.R. bonds,
Richmond, Va , City bonds, . .
St. Paul & Northern Pacific R.R. bonds, .
St. Louis & San Francisco R R. bonds, . .
Topeka, Kan., Internal Imp. Sewer bonds,
West Shore R.R. bonds, .
Par Value.
$100,000 00
249,000 00
92,000 00
50,000 00
63,000 00
62,500 00
63,300 00
50,000 00
50,000 00
20,000 00
61,000 00
50,000 00
50,000 00
75,000 00
100,000 00
75,000 00
52,500 00
75,000 00
50,000 00
18,000 00
100,000 00
Market Value.
M 22,000 00
287,895 00
94,760 00
62,000 00
69,300 00
62,500 00
63,300 00
56,000 00
56,000 00
20,000 00
71,370 00
53,000 00
60,750 00
102,750 00
115,500 00
79,500 00
52,500 00
91,500 00
57,000 00
18,000 00
107,000 00
$4,514,466 00 $5,341,629 00
Summary of Assets Dec.
Cash value of unencumbered real estate,
Loans on mortgage of real estate (first liens*),
Interest due or accrued thereon,
Stocks and bonds, as per schedule,
Loans on collateral security, as per schedule,
Cash in the oflice of the company,
Cash deposited in bank, .
Premiums in course of collection (gross),
Rents due and accrued,
Non-resident tax due,
Gross assets,
Deduct special deposits in other States,
Balance,
31, 1895.
$385,775 60
1,316,000 00
24,177 22
5,341,629 00
9,800 00
8,784 19
1,079,507 76
1,115,018 01
820 23
20,300 40
),301,812 41
239,302 80
1,062,509 61
Liabilities,
Losses adjusted, unpaid, $193,381 62
claimed and reported, .... 314,770 17
disputed or resisted, .... 90,929 29
Unearned premiums on outstanding risks, . 4,410,127 63
* Value of lands mortgaged $1,000,000 00
Value of buildings thereon, 2,209,525 00
Amount of insurance held as collateral, . . . 850,778 00
HARTFORD FIRE INSURANCE CO.
243
Commissions and brokerage, .
Reinsurance disallowed, .
Gross liabilities, except capital,
Deduct liability on special deposits, .
Surplus as regards policy-holders, .
Paid-up capital,
Surplus over capital, ....
Income.
Fire premiums outstanding Dec. 31, 1894,
Same not collected,
Net collected,
Premiums on risks written or renewed, .
$167,252 70
2,464 87
^5,178,926 28
196,098 50
$4,982,827 78
$4,079,681 83
1,250,000 00
$2,829,681 83
Total, .
Premiums now in course of collection, .
Entire premiums collected,
Less reinsurance and return premiums, .
Net cash fire premiums received,
Interest received on mortgages,
Interest and dividends received from all other
Income from rents,
Gross cash income, ....
Expenditures.
Cash paid for fire losses, $3,457,932 79
Deduct salvage and reinsurance, . . . 173,743 68
Net cash paid for fire losses, ...
Cash dividends paid, .....
Cash paid for commissions and brokerage,
for salaries of ofiicers and employees,
for State and local taxes,
for incidentals,
Gross cash expenditures, .
Risks and Premiums.
$1,052,849 35
1,746 62
$1,051,102 73
6,711,345 22
$7,762,447 95
1,115,018 01
$6,647,429 94
931,791 56
sources,
$5,715,638 38
76,939 32
268,830 79
7,921 39
$6,069,329 88
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
Total,
Deduct risks expired and terminated,
In force at end of year, .
Deduct amount reinsured,
Net amount in force, .
$698,718,836 00
507,449,955 00
$1,206,168,791 00
477,047,118 00
$729,121,673 00
14,626,107 00
$3,284,189 11
325,000 00
960,377 44
421,902 97
107,310 18
432,528 58
$5,531,308 28
Premiums.
$8,451,240 03
6,711,345 22
$15,162,585 25
6,157,591 26
»,004,993 99
184,738 72
$714,495,566 00 $8,820,255 27
244
HOME INSTJKANCE CO.
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company, .
Fire losses incurred during the year, ....
Cash dividends declared from organization of company,
Dividends declared during the year (26 per cent.),
Company's stock owned by directors, ....
$83,673,149 00
49,763,332 00
3,299,020 00
8,013,100 00
325,000 00
181,700 00
HOME INSURANCE COMPANY," NEW YORK, N. Y.
[Incorporated April, 1853. Commenced business April 13, 1853.]
Paid-up Capital, $3,000,000.
WILLIAM L. BIGELOW,
DANIEL A. HEALD, President.
THOMAS B. GREENE,
Detailed Statement of Stocks and Bonds.
Par Value.
United States bonds, $275,000 00
District of Columbia bonds, .... 1,000,000 00
State of Georgia bonds, 25,000 00
New York city bonds, 505,000 00
City of Richmond, Va., bonds, ..... 50,000 00
Topeka City, Kan., Internal Imp. bonds, . 87,540 98
City of Council Bluffs, Iowa, Imp. bonds, . . 9,700 00
Nebraska City, Nebraska, Imp. bonds, . . 15,000 00
Kansas City, Kansas, Improvement bonds, . 5,000 00
City of Greely, Col., water bonds, . . . 25,000 00
Atchison, Kan., Improvement bonds, . . 4,000 00
West Chicago Park warrants, .... 124,535 73
New York, Chicago & St. Louis R.R. bonds, . 112,000 00
New York Central & Hudson River R.R. bonds, 100,000 00
New York & Harlem Railroad bonds, . . 100,000 00
Valley Railway Company of Ohio bonds, . 100,000 00
Ohio & West Virginia Railway bonds, . . 100,000 00
Peoria, Decatur & Evansville Railway bonds, . 100,000 00
Cleve., Col., Cincinnati & Indianapolis RR., . 100,000 00
Louisville, New Albany & Chicago R'y bonds, 100,000 00
West Shore Railway bonds, . . . . 100,000 00
Albemarle & Chesapeake Canal Co bonds, , 110,000 00
The Ann Arbor R.R. Co. bonds, . . . 215,000 00
Jeffersonville, Madison & Indianapolis R.R , . 97,000 00
Dunkirk, Warren & Pittsburgh R'y bonds, . 80,000 00
Chicago, St. Paul, Minn. & Omaha R'y bonds, 50,000 00
Alabama Central Railroad bonds, . . . 50,000 00
Louisville, St. Louis & Texas Railway bonds, . 50,000 00
Virginia Midland Railway bonds, . . . 50,000 00
Standard Gas Company bonds, , . , 50,000 00
Secretaries.
Market Value.
$293,425 00
1,125,000 00
25,000 00
507,525 00
50,000 00
90,167 20
9,700 00
15,000 00
5,000 00
25,000 00
4,000 00
124,535 73
114,800 00
122,500 00
114,000 00
60,000 00
121,500 00
103,000 00
132,000 00
115,000 00
104,750 00
121,000 00
150,500 00
112,520 00
91,200 00
62,000 00
55,500 00
28,500 00
49,250 00
54,500 00
HOME INSURANCE CO.
245
Des Moines Water Works Co. of Iowa bonds
Denver Union Water Company bonds,
Streator, 111., Aqueduct Company bonds, .
2,000 shares Pennsylvania Railroad Co., .
1,000 " Fort Wayne & Jackson Railroad
1,000 " Chic, St. Paul, Minn. & Om. R'y
1,100 " N. Y. Cent. & Hudson River R.R.
1,000 " Rensselaer & Saratoga R.R.,
1,414 " United N. J. R.R. & Canal Co ,
4,000 " Morris & Essex Railroad, .
1,000 " Lake Shore & Mich. South'n R'y
500 " Standard Gas Light Co.,
400 " National Broadway Bank, .
200 " American Ex. Natl Bank, N. Y
200 " Mercantile National Bank, N. Y
100 " Bank of America, N. Y.,
200 " Nat* 1 Bank of Commerce, N. Y.,
200 " Manhattan Company, N. Y ,
1,000 " Pitts., Ft, Wayne & Chicago R'y,
500 " The Ann Arbor R.R. Co., .
411 " N. Y. & Harlem R.R. Co., .
56 " Standard Gas Light Co.,
200 " Merchants 1 Ex. Nat'l Bank, N. Y
200 " Nassau Bank,
200 " Chatham Nat'l Bank, N. Y., .
200 " Nat'l Butch's' & Drov's' B'k, N. Y
100 " Hanover Nat'l Bank, N. Y , .
100 " National Bank of the Republic,
200 " Fourth Nat'l Bank, N. Y., .
200 " Holland Trust Company, .
200 " Franklin Trust Co., Brooklyn,
50 " Metropolitan Trust Company,
60 " Long Island Loan and Trust Co
Securities held as collateral for cash loans : —
Seattle, Lake Shore & Eastern R.R. bonds,
St. Joseph & Grand Island Railroad bonds,
Spokane & Palouse Railway bonds, .
30 shares N. Y., Susquehanna & Western R.R.
Des Moines & Fort Dodge Railroad bonds,
460 shares National Bank of North America,
Albemarle & Chesapeake Canal Co. bonds,
Denver Union Water Co. bonds,
250 shares National Bank of the Republic,
Des Moines & Fort Dodge Railroad bonds,
Seattle, Lake Shore & Eastern Railroad bonds
Albemarle & Chesapeake Canal Co. bond,
Par Value.
$50,000 00
48,000 00
10,000 00
100,000 00
100,000 00
100,000 00
110,000 00
100,000 00
141,400 00
200,000 00
100,000 00
50,000 00
10.000 00
20,000 00
20,000 00
10,000 00
20,000 00
10,000 00
100,000 00
50,000 00
20,550 00
5,600 00
10,000 00
10,000 00
5,000 00
5,000 00
10,000 00
10,000 00
20,000 00
20,000 00
20,000 00
5,000 00
6,000 00
Market Value.
$50,000 00
36,000 00
10,000 00
104,500 00
120,000 00
120,000 00
106,700 00
180,000 00
335,825 00
334,000 00
141,000 00
52,500 00
27,000 00
33,000 00
34,000 00
33,000 00
41,400 00
19,500 00
165,000 00
12,500 00
57,540 00
3,808 00
11,000 00
14,500 00
16,250 00
7,100 00
30,000 00
14,500 00
34,000 00
16,000 00
46,000 00
14,750 00
12,600 00
1,286,326 71 $6,220,845 93
Market Value. Loaned Thereon.
$2,000 00^
1,000 00
3,700 00 f
731 25 J
32,450 00
45,080 00
5,500 00
1,500 00
36,250 00
2,950 00
800 00
2,200 00
). $6,900 00
25,000 00
37,800 00
5,000 00
25,000 00
4,000 00
246
HOME INSURANCE CO.
8 shares Morris & Essex Railroad, .
20 shares Wheeling & Lake Erie Railroad,
Cleveland & Canton Railroad bond,
Houston & Texas Central Railroad bond,
New Haven & Northampton Railroad bond,
Chicago & Eastern Illinois bond,
Chicago & Northwestern Railroad bond, .
St. Paul City Railway bond, .
Pittsburgh, Painesville & Fairport bond,
Lake Erie & Western R.R. bond,
10 shares Wells, Fargo & Co. Express, .
6 " Naugatuck Railroad Company,
2 " Chicago & Northwestern Railroad,
7 " City Bank of New Haven, Conn.,
5 " Middletown National Bank,
1 " National New Haven Bank,
Southern Railway bond, ....
Burl., Cedar Rapids & Northern R.R. bond,
Des Moines & Fort Dodge Railroad bonds,
Ports. & Suffolk Company of Virginia bonds,
250 shares National Bank of the Republic,
Minneapolis & St. Louis Railroad bond, .
Des Moines Water Works Co. of Iowa bond,
Denver Union Water Co. bond,
Denver Union Water Co. bonds,
Dakota & Great Southern Railway bond,
37 shares Western Union Telegraph Co.,
State of Massachusetts bouds, .
Kings County Public Drive & Parkway bonds,
City of Allegheny, Pa., Water Works bonds, .
Market Value.
$668 00
740 00
850 00
1,050 00
2,200 00
550 00
465 00
1,000 00
950 00
1,025 00
950 00
1,470 00
290 00
840 00
393 75
160 00
935 00
1,997 50
5,900 00
2,500 00
36,250 00
950 00
2,000 00
1,500 00
15,750 00
1,030 00
3,145 00
125,625 00
113,000 00
67,200 00
Loaned Thereon.
$1,100 00
10,000 00
5,000 00
25,000 00
3,000 00
10,000 00
750 00
2,000 00
110,000 00
100,000 00
56,000 00
$525,545 50 $426,550 00
Summary of Assets Dec. 31, 1895.*
Cash value of unencumbered real estate, . $1,705,895 91
Loans on mortgage of real estate (first liensf), 463,009 13
Interest due or accrued thereon, . . . 11,029 84
Stocks and bonds, as per schedule, . . . 6,220,845 93
Loans on collateral security, as per schedule, . 426,550 00
Cash deposited in bank, 469,914 59
Interest due and accrued, 41,156 08
* The company holds, also, instalment premium notes to the amount of $720,686.80, which .do
not enter into nor form any part of the assets of the company, as no portion of them is earned.
Whatever value is attached to them would necessarily be counterbalanced by the addition of an
amount exactly equal to the reinsurance liability, the entire sum consisting of " unearned pre-
miums."
f Value of lands mortgaged, $744,510 00
Value of buildings thereon, 487,175 00
Amount of insurance held as collateral, .... 279,400 00
HOME INSURANCE CO.
247
Premiums in course of collection (gross),
Notes taken for marine and inland risks,
Premiums more than three mos. due, $4,701 10
Gross assets,
Deduct special deposits in other States, .
Balance,
Liabilities.
Losses adjusted, unpaid, .
claimed and reported, .
disputed or resisted, . .
Total amount of losses, ....
Less reinsurance,
Net amount of unpaid losses, .
Unearned premiums on outstanding risks,
Dividends to stockholders unpaid, .
Commissions and brokerage, .
Reinsurance,
Reinsurance disallowed, ....
Gross liabilities, except capital,
Deduct liability on special deposits,
Surplus as regards policy-holders, .
Paid-up capital,
Surplus 7 over capital, ....
Income.
Fire premiums outstanding Dec. 31, 1894,
Same not collected, ....
Net collected, .....
Premiums on risks written or renewed, .
Total,
Premiums now in course of collection, .
Entire premiums collected,
Less reinsurance and return premiums, .
Net cash fire premiums received.
Marine premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed, .
Total,
Premiums now in course of collection, .
Entire premiums collected,
Less reinsurance and return premiums, .
Net cash marine premiums received,
$809,718 83
3,962 61
-$10,152,082 92
131,250 00
$10,020,832 92
$88,729 98
610,775 41
48,164 02
$747,669 41
175,938 00
$571,731 41
4,570,125 00
3d0 00
75,613 00
104,869 72
12,132 53
£5,334,771 66
106,512 15
5,228,259 51
. $4,792,573 41
. 3,000,000 00
. $1,792,573 41
$786,719 04
1,221 30
$785,497 74
5,972,650 28
$6,758,148 02
789,955 88
$5,968,192 14
1,236,471 58
$4,731,720 56
$31,980 41
266,040 92
$298,021 33
28,426 66
$269,594 67
82,250 27
187,344 40
248
HOME INSURANCE CO.
Interest received on mortgages,
Interest and dividends received from all other sources, .
Income from rents,
Gross cash income,
,783 35
311,454 26
117,297 15
. $5,374,599 72
Expenditures.
Cash paid for fire losses, $<
Deduct salvage and reinsurance,
Net cash paid for fire losses, . . . —
Cash paid for marine and inland losses, .
Deduct salvage and reinsurance,
Net cash paid for marine and inland losses, . —
Cash dividends paid, .....
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for incidentals, ....
Gross cash expenditures, ....
:,097,986 18
500,949 37
,981 67
20,836 41
$2,597,036 81
77,145 26
300,150 00
882,771 07
399,552 86
88,827 59
337,650 57
1,683,134 16
Risks and Premiums.
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895, .
Total,
Deduct risks expired and terminated,
In force at end of year,
Deduct amount reinsured,
Net amount in force, .
Marine risks outstanding Dec. 31, 1894,
Marine risks written during 1895, .
Total, . , .
Deduct risks expired and terminated,
In force at end of year, .
Deduct amount reinsured,
Total,
$942,518,809 00
645,277,992 00
$1,587,796,801 00
611,452,708 00
$976,344,093 00
99,306,639 00
Premiums.
$9,323,987 00
5,972,650 28
$15,296,637 28
5,713,879 28
$9,582,758 00
567,626 00
$877,037,454 00 $9,015,132 00
$7,221,978 00
65,887,821 00
$73,109,799 00
65,543,194 00
$7,566,605 00
1,435,787 00
$183,031 00
266,040 92
$449,071 92
257,710 92
$191,361 00
34,629 00
,130,818 00 $156,732 00
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company, .
Fire losses incurred during the year, ....
Marine and inland losses incurred during the year,
Cash dividends declared from organization of company,
Dividends declared during the year (10 per cent.),
Company's stock owned by directors, ....
$110,963,004 00
66,885,843 00
2,652,032 00
91,246 00
9,715,000 00
300,000 00
187,800 00
THE INSURANCE CO. OF NORTH AMERICA.
249
"PRESIDENT AND DIRECTORS OF THE INSURANCE COMPANY
OF NORTH AMERICA," PHILADELPHIA, PA.
[Incorporated. April 14, 1794. Commenced business 1792.]
Paid-up Capital, $3,000,000.
CHARLES PLATT, President. GKEVILLE E. FRYER, Secretary.
Detailed Statement of Stocks and Bonds.
United States government bonds,
Boston city bonds,
Richmond, Va., city bonds,
Georgia State bonds, ....
Baltimore city bonds, ....
Toledo city bonds,
Cincinnati city bonds, ....
Belgian government bonds,
Providence city bonds, ....
Burlington city bonds, ,
East Lincoln (111.) bonds,
City of Montreal bonds, ....
Western Springs, Cook Co., 111., warrants,
City of Chicago warrants,
Pennsylvania Railroad bonds, .
Philadelphia & Reading Railroad bonds,.
North Pennsylvania Railroad bonds,
Belvidere & Delaware Railroad bonds, .
Pennsylvania & N. Y. Canal & R.R. bonds,
Lehigh Valley Railroad bonds,
Delaware Division Canal bonds,
French rentes,
Brooklyn Wharf & Warehouse Co. bonds,
Baltimore & Potomac R.R. bonds, .
Lehigh Coal and Navigation Company, .
Easton & Amboy Railroad Company,
Philadelphia & Erie Railroad, . .
Chicago & Western Indiana Railroad bonds,
Northern Central Railway bonds, .
Pitts., McKeesp't & Youghiogheny Kailroad,
Lehigh Valley Railroad bonds,
The Belt R.R. and Stock Yard Company b'ds
Bergen County Railroad bonds,
Car Trust of New York bonds,
New York & Long Branch Railroad bonds,
100 shares Philadelphia National Bank, .
40 " Philadelphia Bourse,
228 " Chesapeake and Del. Canal Co.,
Atlantic Mutual Insurance scrip,
Philadelphia & Baltimore Central Railroad,
Par Value.
$70,000 00
112,000 00
53,000 00
25,000 00
200,000 00
1,000 00
28,000 00
49,000 00
25,000 00
12,000 00
10,000 00
111,000 00
10,015 38
13,400 00
430,000 00
350,000 00
80,000 00
50,000 00
30,000 00
200,000 00
15,000 00
5,800 00
30,000 00
5,000 00
5,000 00
100,000 00
150,000 00
84,000 00
19,000 00
50,000 00
20,000 00
50,000 00
50,000 00
31,000 00
150,000 00
10,000 00
2,000 00
11.400 00
4,155 00
100,000 00
Market Value.
|78,750 00
120,960 00
53,000 00
28,000 00
200,000 00
1,060 00
31,640 00
49,000 00
26,500 00
12,240 00
10,000 00
111,000 00
10,015 38
13,400 00
504,100 00
434,000 00
98,100 00
54,000 00
36,900 00
250,000 00
14,250 00
5,800 00
30,900 00
6,150 00
6,600 00
109,000 00
177,000 00
89,010 00
22,230 00
62,500 00
20,000 00
50,000 00
50,000 00
31,000 00
166,500 00
19,000 00
1,480 00
250 00
4,155 00
105,000 00
250
THE INSURANCE CO. OF NORTH AMERICA.
Delaware & Chesapeake Railroad bonds,
Stenbenville & Indiana Railroad bonds, .
Corning, Cowanesque & A. R.R. bonds, .
New York, Lake Erie & Western R.R. bonds,
Terre Haute & Logansport R.R. bonds, .
Texas & Pacific Railway bonds,
Louisville & Nashville Railroad,
Lehigh Coal & Navigation Co. bonds,
New York, West Shore & Buffalo R.R. bonds,
San Antonio & Aransas Pass. Railway bonds,
Wrecking Boat " North America " bonds,
Canada & Atlantic Railroad bonds, .
Jefferson Railroad bonds, ....
McKeesport & Belle Vernon Railroad bonds,
Penn. & New York Canal and R.R. bonds,
Baltimore Belt Railroad bonds,
Elizabeth Railroad of Austria bonds,
Tioga Railroad bonds,
Philadelphia & Reading Railroad bonds,
Lehigh Valley R.R. bonds, . . - .
Cincinnati, Hamilton & Dayton R.R. bonds,
Camden & Atlantic bonds,
Northern Pacific Railroad bonds, . . .
Cleveland, Lorain & Wheeling R.R. bonds,
Prospect Brewing Co. bonds, .
City of Columbus (O.) bonds, .
City of Portland (Ore.) bonds,
Northern Central R'y bonds, .
International Navigation Co. bonds,
1,000 shares Company's own stock, $23,000 00
Par Value.
$100,000 00
200,000 00
15,000 00
231,000 00
50,000 00
14,000 00
66,000 00
50,000 00
25,000 00
21,000 00
35,000 00
20,000 00
30,000 00
20,000 00
50,000 00
30,000 00
40,000 00
5,000 00
100,000 00
140,000 00
50,000 00
50,000 00
• 4,000 00
50,000 00
25,000 00
25,000 00
50,000 00
10,000 00
50,000 00
Securities held as collateral for cash loans : —
Union & Logansport R.R. bond,
50 shares Cambria Iron Co., ....
30 " Philadelphia Mortgage Co.,
50 " Penn. Co. for Insurance on Lives,
Market Value.
$95,000 00
222,000 00
15,000 00
248,100 00
53,000 00
15,260 00
76,560 CO
52,500 00
26,000 00
12,600 00
35,000 00
15,000 00
31,500 00
25,000 00
47,000 00
30,000 00
40,000 00
5,250 00
104,500 00
147,800 00
53,500 00
52,500 00
4,040 00
54,500 00
25,000 00
26,000 00
56,500 00
11,000 00
52,000 00
:,307,770 38 $4,725,630 38
Market Value. Loaned Thereon.
>,400 00
$1,100 00
2,200 00
2,250 00 1,000 00
24,300 00 10,000 00
$29,850 00 $13,400 00
Summary of Assets Dec. 31, 1895.
Cash value of unencumbered real estate, . $401,205 62
Loans on mortgage of real estate (first liens*), 2,454,733 76
Interest due or accrued thereon, . . . 40,473 66
Stocks and bonds, as per schedule, . . . 4,725,630 38
Loans on collateral security, as per schedule, . 13,400 00
* Total value of property mortgaged, .
Amount of insurance held ae collateral,
£6,273,427 00
2,284,815 00
THE INSURANCE CO. OF NORTH AMERICA.
251
Cash deposited in bank, ....
Premiums in course of collection (gross),
Notes taken for marine and inland risks,
Reinsurance clue,
Bills receivable,
Gross assets,
Deduct special deposits in other States, .
Balance,
Liabilities.
Losses adjusted, unpaid, .
claimed and reported,
disputed or resisted,
Total amount of losses,
Less reinsurance,
Net amount of unpaid losses, .
Unearned premiums on outstanding risks,
Reelaimable on perpetual fire policies, .
Commissions and brokerage, .
Reinsurance,
Bills payable, ......
Reinsurance disallowed, ....
Gross liabilities, except capital,
Deduct liability on special deposits,
Surplus as regards policy-holders, .
Paid-up capital,
Surplus over capital, ....
Income.
Fire premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed, .
Total,
Premiums now in course of collection, .
Entire premiums collected,
Less reinsurance and return premiums, .
Net cash fire premiums received,
Marine premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed, .
$759,025 96
866,013 63
65,661 74
21,112 26
153,906 59
) ,501, 763 60
248,500 00
>,253,263 60
),330 12
506,518 04
50,654 60
$637,502 76
184,424 18
$453,078 58
3,243,986 71
779,739 28
35,000 00
35,199 54
2,865 07
13,060 08
$4,562,929 26
129,786 72
- 4,433,142 54
. $4,820,121 06
. 3,000,000 00
. $1,820,121 06
Total,
Premiums now in course of collection,
Entire premiums collected,
Less reinsurance and return premiums,
Net cash marine premiums received,
$638,972 42
4,847,567 02
^5,486,539 44
625,892 63
$4,860,646 81
835,282 32
$389,298 34
2,167,175 46
$2,556,473 80
305,782 74
$2,250,691 06
635,135 53
$4,025,364 49
1,615,555 53
252
THE INSURANCE CO. OF NORTH AMERICA.
sources,
$22,245 82
Interest received on mortgages,
Interest and dividends received from all other
Income from perpetual deposits,
Deposits received for perpetual fire risks,
Gross cash income, .
Expenditures.
Cash paid for fire losses, $2,206,241 09
Deduct salvage and reinsurance, . . . 66,686 89
Net cash paid for fire losses,
Cash paid for marine and inland losses, . . $2,858,873 10
Deduct salvage and reinsurance, . . . 1,092,352 11
Net cash paid for marine and inland losses,
Cash dividends paid, ....
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for incidentals, . . .
Deposits returned on perpetual fire risks, . $14,129 35
Gross cash expenditures, .
Hisks and Premiums.
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
Total,
Deduct risks expired and terminated,
In force at end of year,
Deduct amount reinsured,
Net amount in force, .
Perpetual risks in force (not included
above),
Marine risks outstanding Dec. 31, 1894,
Marine risks written during 1895, .
Total,
Deduct risks expired and terminated,
In force at end of year, . . .
$602,790,647 00
609,695,358 00
$147,994 00
227,977 26
8,116 47
1,025,007 75
!,139,554 20
1,766,520 99
360,000 00
1,001,120 15
287,978 73
117,263 74
335,390 48
$6,007,828 29
Premiums.
^5,707,070 98
4,847,567 02
.,212,486,005 00 $10,554,638 00
573,501,639 00 4,530,005 50
538,984,366 00
13,245,830 00
>,024,632 50
124,462 39
$625,738,536 00 $5,900,170 11
$33,899,459 00 $856,445 82
$21,663,710 00
373,366,976 00
$395,030,686 00
353,030,686 00
$367,117 53
2,167,175 46
^2,534,292 99
2,282,292 99
$42,000,000 00 $252,000 00
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company,
Fire losses incurred during the 3~ear, ....
Marine and inland losses incurred during the year,
Cash dividends declared from organization of company,
Dividends declared during the year (12 per cent.), .
Company's stock owned by directors, ....
$121,222,246 00
85,345,523 00
2,157,728 00
1,828,521 00
13,293,934 00
360,000 00
260,000 00
INSURANCE CO. OF THE STATE OF PENNSYLVANIA. 253
"INSURANCE COMPANY OF THE STATE OF PENNSYLVANIA,"
PHILADELPHIA, PA.
[Incorporated April 18, 1794. Commenced business Nov. 5, 1794.]
Paid-up Capital, $200,000.
GEO. G. CROWELL, President. A. B. EARLE, Secretary.
Detailed Statement of Stocks
20 shares Philadelphia National Bank, .
Harrisburg, P. L. & Mt. Joy Railroad bonds,
Car Trust of New York bonds,
Chicago & W. Indiana Railroad bonds, .
Corning, Cowanesque & Antrim R.R. bonds,
Sharaokin, Sunbury & L. Railroad bonds,
Terre Haute & Logansport Railroad bonds,
Steubenville & Indiana Railroad bonds, .
Long Dock Company bonds,
Pittsburgh Junction Railroad Company bonds
St. Paul & Northern Pacific Railroad bonds,
Sunbury, H. & Wilkesbarre Railroad bonds,
Northern Central Railroad bonds, .
City of Quincy bonds, ....
Wabash Railroad Company bonds, .
Syracuse, Geneva & Cor. Railroad bonds,
and Bonds.
Par Value.
$2,000 00
15,000 00
5,000 00
10,000 00
2,000 00
10,000 00
20,000 00
30,000 00
10,000 00
10,000 00
10,000 00
4,000 00
10,000 00
10,000 00
14,000 00
7,000 00
Market Value.
$3,800 00
16,050 00
5,300 00
12,650 00
2,100 00
10,200 00
21,000 00
33,000 00
13,250 00
13,000 00
12,012 50
4,253 33
10,700 00
10,500 00
10,080 00
7,525 00
$169,000 00 $185,420 83
Summary of Assets Dec. 31, 1895.
Cash value of unencumbered real estate, . $336,865 38
Loans on mortgage of real estate (first liens *), 66,250 00
Interest due or accrued thereon, . . . 2,761 91
Stocks and bonds, as per schedule, . . . 185,420 83
Cash in the office of the company, . . . 1,088 21
Cash deposited in bank and with managers, . 75,469 45
Interest due and accrued, 250 00
Premiums in course of collection (gross), . 51,813 67
Notes taken for marine risks, .... 1,963 25
Rents clue and accrued, 8,540 73
Reinsurance, etc, 19,972 47
Gross assets,
Liabilities.
Losses adjusted, unpaid, . . . v . . $2,175 67
Losses claimed and reported, .... 19,818 08
Unearned premiums on outstanding risks, . 182,083 90
Reclaimable on perpetual fire policies, . . 203,322 42
$750,395 90
* Total value of property mortgaged,
Amount of insurance held as collateral,
$130,000 00
39,300 00
254 INSURANCE CO. OF THE STATE OF PENNSYLVANIA.
Due for borrowed money,
Commissions and brokerage, .
Gross liabilities, except capital,
Surplus as regards policy-holders, .
Paid-up capital, .
Surplus over capital,
Income.
$45,000 00
7,772 05
Fire premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed, .
Total,
Premiums now in course of collection, .
Entire premiums collected,
Less reinsurance and return premiums, .
Net cash fire premiums received, . . .
Interest received on mortgages,
Interest and dividends received from all other sources, .
Income from rents,
Income from incidentals,
Deposits received for perpetual fire risks, . $ 12,063 75
$44,308 64
389,664 76
$433,973 40
51,813 67
$382,159 73
94,317 57
$460,172 12
$290,223 78
200,000 00
,223 78
$287,842 16
3,070 17
7,738 13
9,189 97
529 80
Gross cash income, $308,370 23
Expenditures.
Cash paid for fire losses,
Deduct salvage and reinsurance,
Net cash paid for fire losses, ....
Cash dividends paid, . . . .
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for incidentals, ....
Gross cash expenditures, ....
$222,557 25
34,380 69
$188,176 56
10,000 00
74,410 21
15,307 96
3,522 30
19,285 33
$310,702 36
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
Risks and Premiums.
Premiums.
,347,995 00 $476,086 09
29,615,904 00 389,664 76
Total,
Deduct risks expired and terminated,
In force at end of year, .
Deduct amount reinsured, .
Net amount in force,
$67,963,899 00 $865,750 85
34,030,832 00 428,177 38
$33,933,067 00 $437,573 47
5,209,969 00 55,899 23
$28,723,098 00 $381,674 24
Perpetual risks in force (not included above), $6,904,134 00 $225,913 79
lumbermen's INSURANCE CO.
255
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company, .
Fire losses incurred during the year, ....
Cash dividends declared from organization of company,
Dividends declared during the year (5 }Der cent.),
Company's stock owned by directors, ....
$20,969,305 00
16,618,090 00
176,571 00
4,271,406 00
10,(K)0 00
28,100 00
"LUMBERMEN'S INSURANCE COMPANY," PHILADELPHIA, PA.
[Incorporated June 2, 1873. Commenced business Dec 11, 1873.]
Paid-up Capital, $250,000.
LEWIS DAVIS, President. OLIVER H. HILL, Secretary.
Detailed Statement of Stocks and Bonds.
Par Value. Market Value.
Susquehanna Coal Co. bonds, .... $12,000 00 $13,800 00
Shamokin Valley &PottsvilleRR. bonds, . 7,000 00 8,120 00
Pleasantville & Ocean City R R. bonds, . . 10,000 00 10,300 00
Steubenville & Indiana R R. bonds, . . . 15,000 00 16,800 00
Richmond & Danville R.R. bonds, . . . 5,000 00 6,000 00
Philadelphia & Reading R.R. bonds, . . 5,000 00 4,300 00
Summit Branch R.R. bonds, .... 10,000 00 10,350 00
Camden & Atlantic R.R. bonds, . . . 10,000 00 10,750 00
Mortgage Trust Co. of Pa. bonds, . . . 5,000 00 5,020 00
Lehigh Valley R.R. bonds, .... 10,000 00 13,500 00
Car Trust of New York bonds, . . . 6,000 00 6,120 00
Northern Pacific R.R. bonds, .... 1,000 00 1,020 00
Grand Rapids & Indiana R.R. bonds, . . 10,000 00 . 2,500 00
West Jersey R.R. bonds, 3,000 00 3,360 00
Chicago, St. Louis & Pittsburg R.R. bonds, . 10,000 00 11,700 00
Mortgage Trust Co. of Pa., .... 10,000 00 10,250 00
Master Builders 1 Exchange bonds, . . . 10,000 00 10,125 00
Car Trust of New York bonds, . . . 9,000 00 8,550 00
West Jersey R.R. bonds, 26,000.00. 29,900 00
Sunbury, Hazleton & Wilkesbarre R R b'ds, . 8,000 00 8,480 00
Shamokin, Sunbury & Lewisburg R.R. bonds, . 10,000 00 10,300 00
Pennsylvania Steel Co. bonds, .... 10,000 00 10,300 00
Lehigh Valley R.R. bonds, .... 10,000 00 12,600 00
Texas & Pacific RR, bonds, . . . . 11,000 00 8,965 00
Ohio River R.R. bonds, 5,000 00 5,000 00
Lehigh Valley R.R. bonds, .... 8,000 00 8,240 00
Cincinnati, Rich. & Ft. Wayne R.R. bonds, . 30,000 00 35,100 00
Cambria & Clearfield R.R. bonds, . . . 12,000 00 12,600 00
Duluth Street Railway Co. bonds, . . . 20,000 00 20,500 00
St. Louis Merchants Bridge Co. bonds, . . 20,000 00 21,100 00
Minneapolis General Electric Co., . . '. 20,000 00 20,000 00
256
LUMBERMEN S INSURANCE CO.
Electric R'y Light & Power Co., Sedalia, Mo.
Broadway & Seventh Avenue R R. Co , .
Hart man General Electric Co., Duluth, bonds
Superior Water, Light & Power Co. bonds,
St. Paul Gas Light Co. bonds, .
Lehigh Traction Co. bonds,
68 shares Lehigh Traction Co. stock,
Mortgage Trust Co. of Pa. bonds, .
Piedmont & Cumberland R.R. Co. bonds
Syracuse & East Side R.R. bonds, .
Detroit & Mackinac R.R. Co. bonds,
Grand Rapids Gas Light Co. bonds, .
80 shares Grand Rapids Gas Light Co., ,
GVa, W'rloo, Sen. Falls & Cay. Lake Tr. Co
20 shares G., W., S. F. & C. Lake Tract. Co.,
Passaic Lighting Co.,
50 shares Passaic Lighting Co. stock,
10 shares Philadelphia Bourse stock,
Securities held as collateral for cash loans :
165 shares Minn. Title Ins and Trust Co., ")
100 shares Belt Line Elevator Co., . . (
Belt Line Elevator Co., Superior, Wis , bonds, '
45 " 13th & 15th Sts. Pass. Railway,
200 " Columbus & Xenia R.R.,
Pittsburgh, Cincinnati & St. Louis R.R. bonds
84 shares Citizens 1 Passenger Railway Co.,
17
3
5
15
20
Jefferson Fire Insurance Co ,
Pennsylvania Fire Insurance Co.,
Reliance Insurance Co., ,
Lehigh Navigation Co., .
Western State Bank of Chicago,
Consolidated Traction Co. of N. J. bonds,
Par Value.
$8,000 00
10,000 00
10,000 00
10,000 00
10,000 00
15,000 00
6,800 00
3,000 00
10,000 00
10,000 00
5,000 00
10,000 00
4,000 00
10,000 00
2,000 00
10,000 00
5,000 00
500 00
Market Value.
$7,600 00
11,300 00
10,250 00
10,100 00
8,900 00
14,250 00
1,360 00
3,075 00
10,600 00
10,000 00
3,000 00
8,500 00
2,000 00
9,600 00
400 00
9,000 00
1,000 00
350 00
f477,300 00 $176,935 00
Market Value. Loaned Thereon.
;,ooo oo f 12,000 oo
5,000 00
6,000 00
8,000 00
4,000 00
1,500 00
1,200 00
1,000 00
10,000 00
10,350 00
16,000 00
9,280 00
23,500 00
2,125 00
1,880 00
2,000 00
12,150 00
$93,285 00 $18,700 00
Summary of Assets Dec. 31, 1895.
Cash value of unencumbered real estate, . $85,400 00
Loans on mortgage of real estate (first liens *), 425,017 52
Interest due or accrued thereon, . . . 9,677 35
Stocks and bonds, as per schedule, . . . 476,935 00
Loans on collateral security, as per schedule, . 48,700 00
Cash in the office of the company, . . . 370 75
Cash deposited in bank, 11,110 05
* Value of lands mortgaged, . . .
Value of buildings thereon, . . .
Amount of insurance held as collateral, .
$600,500 00
440,000 00
389,450 00
lumbermen's INSURANCE CO.
257
Interest due and accrued, ....
Premiums in course of collection (gross),
Rents due and accrued, .
Gross assets,
8004 80
30,214 66
1,906 50
$1, 089,936 63
LlABILITIFS.
Losses adjusted, unpaid, .
claimed and reported,
disputed or resisted,
Total amount of losses,
Less reinsurance,
Net amount of unpaid losses,
Unearned premiums on outstanding risk
Reclaimable on perpetual fire policies,
State and local taxes,
Commissions and brokerage, .
Return premiums, reinsurance, etc.,
Reinsurance disallowed, .
Gross liabilities, except capital,
Surplus as regards policy-holders, .
Paid-up capital, ....
Surplus over capital, .
$416 10
18,773 00
2,372 00
$21,561 10
1,065 33
$20,495 77
115,840 65
228,042 52
1,696 00
5,177 45
7,047 47
3,433 82
381,733 68
$708,202 95
250,000 00
$458,202 95
Income.
Fire premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed,
Total,
Premiums now in course of collection,
$23,355 30
207,075 29
$230,430 59
30,214 Q6
Entire premiums collected, .... $200,215 93
Less reinsurance and return premiums, . . 41,699 04
Net cash fire premiums received, . . . $158,516 89
Interest received on mortgages, 23,576 41
Interest and dividends received from all other sources, . . 26,697 61
Income from rents and incidentals, . . . - . . 3,465 75
Deposits received for perpetual fire risks, . . $9,651 65
Gross cash income, ....... . $212,256 66
Expenditures.
Cash paid for fire losses, .
Deduct salvage and reinsurance,
Net cash paid for fire losses, .
Cash dividends paid, .
$56,369 19
2,001 96
$54,367 23
25,000 00
258
THE MECHANICS' INSURANCE CO.
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for incidentals, .....
Deposits returned on perpetual fire risks,
Gross cash expenditures, ....
1,130 25
$34,988 22
12,060 00
5,374 87
10,156 94
141,947 26
Risks and Premiums.
.|19,400,928 00
. 21,082,715 00
.$40,483,643 00
. 18,069,289 00
Premiums.
$225,666 85
207,075 29
$432,742 14
192,998 54
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
Total,
Deduct risks expired and terminated,
In force at end of }'ear,
Deduct amount reinsured,
Net amount in force, . • . . • . .$21,046,486 00 $225,419 96
Perpetual risks in force (not included above), $9,232,418 00 $253,380 57
. $22,414,354 00
. 1,367,868 00
$239,74& 60
14,323 64
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company, .
Fire losses incurred during the year, ....
Cash dividends declared from organization of company,
Dividends declared during the year (10 per cent),
Company's stock owned by directors, ....
^,815,674 00
928,804 00
60,236 00
313,000 00
25,000 00
75,300 00
" THE MECHANICS' INSURANCE COMPANY OF PHILADELPHIA,"
PHILADELPHIA, PA.
[Incorporated April 13, 1854. Commenced business May 4, 1854.]
Paid-up Capital, $250,000.
SIMON J. MARTIN, President. JOHN A. SNYDER, Secretary.
Detailed Statement of Stocks and Bonds.
Par Value. Market Value.
Phila., Wilmington & Baltimore R.R, bonds, . $5,000 00 $5,250 00
Union Passenger Railway bonds, . . . 20,000 00 22,< 00 00
Lombard & South Streets Pass. Railway, . 20,000 00 20,400 00
Steubenville & Indiana Railroad bonds, . . 25,000 00 27,500 00
Borough of Clifton Heights, Penn., bonds, . 4,000 00 4,000 00
Schuylkill River, East Side, Railroad bonds, . 30,000 00 32,700 00
City of St. Louis bonds, 10,000 00 10,000 00
Northern Pacific Terminal bonds, . . . 10,000 00 10,200 00
THE MECHANICS INSURANCE CO.
2.59
North Pennsylvania Railroad bonds,
Catawissa Railroad bonds,
Savannah & Western Railroad bonds,
Sunbury & Lewiston Railway Co. bonds,
Columbus & Cincinnati Midland R.R. certs.,
Phila., Wil. & Baltimore Railroad certificates
Phila. & Erie Railroad bonds, .
Toledo Electric St. Pass. R'y bonds,
United States bonds,
Consolidated Traction Co. of New Jersey bd's
Second Ave. Traction Co , Pittsburgh, bonds,
Terminal R.R. Assoc , St. Louis, bonds, .
Commonwealth of Pennsylvania bonds, .
200 shares Fair. Park & Haddington P. R R., .
100 " Union Passenger Railway,
30 " 13th & 15th Streets Pass. Railway
20 " 2d & 3d Streets Pass. Railway,
200 " Philadelphia Traction Co.,
154 " Union Traction Co ,
Securities held as collateral for cash loans : —
Consolidated Traction Co. of N. J. bonds,
200 shares Northern Pacific R.R ,
366
100
100
16
100
300
Merchants 1 Trust Co ,
Lehigh Coal & Nav. Co ,
N. Y. & Middle Coal Field Co.,
Pennsylvania Steel Co., .
Hannis Distilling Co.,
Philadelphia & Reading R.R. Co.,
Par Value.
& 11,000 00
9,000 00
5,000 00
3,500 00
10,000 00
10,000 00
28,000 00
10,000 00
5,000 00
10,000 00
10,000 00
10,000 00
5,000 00
10,000 00
5,000 00
1,500 00
1,000 00
10,000 00
770 00
Market Value.
$11,110 00
9,900 00
3,100 00
3,535 00
7,500 00
10,200 00
28,560 00
10,000 00
5,800 00
7,900 00
10,000 00
10,000 00
5,000 00
11,200 00
20,600 00
6,750 00
4,640 00
13,000 00
1,694 00
$278,770 00 $312,539 00
Market Value. Loaned Thereon.
$8,100 001
725 00
4,575 00
4,400 00
2,600 00
1,040 00 J
13,000 00
750 00
} $15,000 00
8,500 00
,190 00 $23,500 00
Summary of Assets Dec
Cash value of unencumbered real estate, .
Loans on mortgage of real estate (first liens*)
Interest due or accrued thereon,
Stocks and bonds, as per schedule, .
Loans on collateral security, as per schedule,
Cash in the office of the company, .
Cash deposited in bank, ....
Interest due and accrued, ....
Premiums in course of collection (gross),
Rents due and accrued, ....
Premiums more than three mos, due, $684 09
Gross assets,
31, 1895.
$87,000 00
351,105 00
5,314 91
312,539 00
23,500 00
588 31
25,840 41
3,939 88
45,633 54
168 32
$855,629 37
* Total value of property mortgaged,
Amount of insurance held as collateral,
&817.800 00
303,100 00
THE MECHANICS INSUEANCE CO.
Liabilities.
Losses adjusted, unpaid, .
claimed and reported, .
disputed or resisted,
Unearned premiums on outstanding risks
Peclaimable on perpetual fire policies,
Dividends to stockholders unpaid, .
Commissions and brokerage, .
Due for return premiums,
Gross liabilities, except capital,
Surplus as regards policy-holders, .
Paid-up capital,
Surplus over capital, .
$9,113 55
19,332 49
5,750 97
146,171 32
219,526 98
71 00
10,538 69
8,138 44
$418,643 44
$436,985 93
250,000 00
. $186,985 93
Income.
Fire premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed, .
Total,
Premiums now in course of collection, .
Entire premiums collected,
Less reinsurance and return premiums, .
Net cash fire premiums received,
Interest received on mortgages,
Interest and dividends received from all other
Income from rents,
Income from transfers and surveys,
Deposits received for perpetual fire risks,
Gross cash income, ....
f45,552 34
298,294 32
$343,846 66
46,317 63
$297,529 03
55,385 47
sources,
$16,213 90
$242,143 56
16,209 27
15,916 41
3,791 32
306 66
£278,367 22
Expenditures.
Cash paid for fire losses, .
Deduct salvage and reinsurance,
Net cash paid for fire losses,
Cash dividends paid, .
Cash paid for commissions and brokerage,
for salaries of officers and emploj^ees,
for State and local taxes,.
for incidentals, ....
for repairs on real estate,
Deposits returned on perpetual fire risks, ,
Gross cash expenditures, ....
13,213 87
1,491 29
|7,276 05
[11,722 58
20,010 00
65,035 53
11,213 99
5,284 00
15,406 18
550 94
$229,223 22
merchants' insurance co.
201
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
Risks and Premiums.
Premiums.
$29,291,235 00 $284,873 16
31,308,670 00 298,294 32
Total, . . .
Deduct risks expired and terminated,
In force at end of year, .
,599,905 00 $583,167 48
32,153,934 00 305,352 64
$28,445,971 00 $277,814 84
Perpetual risks in force (not included above), $10,932,306 00 $241,299 45
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company, .
Fire losses incurred during the year, ....
Cash dividends declared from organization of compan}',
Dividends declared during the year (8 per cent.), .
Company's stock owned by directors, ....
$2,601,808 00
1,400,999 00
115,662 00
460,660 00
20,000 00
50,225 00
"MERCHANTS' INSURANCE COMPANY OF NEWARK,"
NEWARK, N. J.
[Incorporated Feb. 18, 1858. Commenced business April 18, 1858.]
Paid-up Capital, $400,000.
Gr. LEE STOUT, President. J. R. MULLIKIN, Secretary.
Detailed Statement of Stocks and Bonds.
United States bonds,
New Jersey Southern Railroad bonds,
Long Branch & Sea Shore Railroad bonds,
Midland Railroad of New Jersey bonds, .
Newark & Bloomfield Horse Car R.R. bonds,
Belleville & Newark Horse Car R R. bonds,
Irvington & Newark Horse Car R R. bonds,
American Dock and Improvement bonds,
Long Branch school bonds,
North Hudson County R.R. bonds, .
Newark Gas Company bonds, .
Newark Pass. Railroad Company bonds,
Elizabeth City bonds, ....
Warren Railroad Company stock, .
United New Jersey R.R & Canal Co. stock,
Morris & Essex R.R. stock,
Newark Gas Company stock, .
Tar Value.
$25,000 00
30,000 00
5,000 00
100,000 00
10,000 00
1,000 00
3,000 00
50,000 00
10,000 00
97,000 00
50,000 00
20,000 00
50,000 00
36,050 00
15,000 00
25,000 00
8,700 00
Market Value.
$27,500 00
31,200 00
5,500 00
115.500 00
10,800 00
1,100 00
3,210 00
55,750 00
10,800 00
101,365 00
62,500 00
21,200 00
46,000 00
59,482 50
35,625 00
41,250 00
8,047 50
$535,750 00 $636,830 00
262
MERCHANTS INSURANCE CO.
Securities held as collateral for cash loans : —
Market Value. Loaned Thereon.
200 shares Morris & Essex Railroad stock, , $16,500 00 $ 6,50u 00
Summary of Assets Dec. 31, 1895.
Cash value of unencumbered real estate,
Loans on mortgage of real estate (first liens*)
Interest due or accrued thereon,
Stocks and bonds, as per schedule, .
Loans on collateral security, as per schedule,
Cash in the office of the company, .
Cash deposited in bank, ....
Interest doe and accrued, ....
Premiums in course of collection (gross),
Rents due and accrued, ....
Reinsurance clue, .....
Premiums more than three mos. due, $812 09
Gross assets,
8302,948 25
295,400 00
5,630 89
636,830 00
6,500 00
10,230 23
59,961 38
5,812 51
127,419 37
1,307 42
243 89
,452,283 94
Liabilities.
Losses adjusted, unpaid, .
claimed and reported, .
disputed or resisted,
Total amount of losses,
Less reinsurance, ....
Net amount of unpaid losses, .
Unearned premiums on outstanding risks
Unpaid scrip ordered to be redeemed,
Interest due or accrued on scrip,
State and local taxes,
Commissions and brokerage, .
Return premiums, reinsurance, etc., .
Gross liabilities, except capital,
Surplus as regards policy-holders, .
Paid-up capital,
Surplus over capital, .
$70,391 07
26,211 49
20,093 99
$116,696 55
6,694 29
$110,002 26
654,913 30
385 00
84 52
1,285 74
16,316 69
18,702 82
801,690 33
$650,593 61
400,000 00
$250,593 61
*• Value of lands mortgaged,
Value of buildings thereon,
Amount of insurance held as collateral,
$447,750 00
289,600 00
373,750 00
MERCHANTS INSURANCE CO.
263
Income.
Fire premiums outstanding Dec. SI, 1804, . $141,294 00
Same not collected, 12,574 80
Net collected, $128,719 20
Premiums on risks written or renewed, . . 1,113,989 49
Total, $1,242,708 69
Premiums now in course of collection, . . 128,231 46
Entire premiums collected, .... $1,114,47723
Less reinsurance and return premiums, . . 182,034 88
Net cash lire premiums received, . . .
Interest received on mortgages,
Interest and dividends received from all other sources, .
Income from rents, etc.,
Gross cash income,
Expenditures.
Cash paid for fire losses,
Deduct salvage and reinsurance,
Net cash paid for fire losses, ....
Cash dividends paid, '
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for incidentals,
Gross cash expenditures, ....
$482,091 55
10,488 30
$932,442 35
16,867 47
30,256 58
16,005 69
$995,572 09
$471,603 25
24,000 00
173,571 90
45,238 69
32,500 00
108,670 36
$855,584 20
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
Risks and Premiums.
Premiums.
$109,470,450 00 $1,218,113 59
. 97,901,836 00 1,113,989 49
Total
Deduct risks expired and terminated,
In force at end of year,
Deduct amount reinsured,
Net amount in force,
$207,372,286 00 $2,332,103 08
. 84,809,468 00 991,139 04
$122,562,818 00 $1,340,964 04
. 3,778,839 00 35,153 89
18,783,979 00 $1,305,810 15
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company, .
Fire losses incurred during the year, ....
Cash dividends declared from organization of company,
Dividends declared during the year (6 per cent.), .
Company's stock owned by directors, .
$14,400,871 00
8,245,112 00
479,344 00
932,219 00
24,000 00
91,675 00
2H4
MERCHANTS INSURANCE CO. IN PROVIDENCE.
"MERCHANTS' INSURANCE COMPANY IN PROVIDENCE,"
PROVIDENCE, R. I.
[Incorporated May, 1851. Commenced business July, 1851.]
Paid-up Capital, $200,000.
W. T. BARTON, President. W. P. GOODWIN, Secretary
Detailed Statement of Stocks and Bonds.
Par Value
200 shares Chicago & Northwestern R.R. Co.,
150 " New York Central Railroad Co.,
50 " Illinois Central Railroad Co.,
100 " Michigan Central Railroad Co.,
1,600 " National Bank of Commerce,
1,000 " American National Bank,
400 " Merchants' National Bank,
200 " Globe National Bank, .
500 " Providence Gas Company,
200 " Phenix National Bank, .
257 " Mechanics' National Bank,
102 " Manufacturers' National Bank,
100 " St. Paul & Dnluth Railroad,
5 " Underwriters' Salvage Co., .
Chicago, Burlington & Northern R.R. bonds,
Eastern Railroad of Minnesota bonds,
Lowell Street Railway Company bonds, .
Minneapolis Street Railway Company bonds,
Securities held as collateral for cash loans : —
New Haven & Derby Railroad bonds,
Wisconsin Central Improvement bonds, .
13 shares Boston & Providence Railroad,
5 shares National Bank of Commerce, .
$20,000 00
15,000 00
5,000 00
10,000 00
80,000 00
50,000 00
20,000 00
10,000 00
25,000 00
10,000 00
12,850 00
10,200 00
10,000 00
500 00
10,000 00
10,000 .00
5,000 00
5,000 00
Market Value.
$19,900 00
14,625 00
4,675 00
9,550 00
72,000 00
45,000 00
26,600 Oo
11,000 00
42,000 00
14,600 00
13,621 00
14,484 00
8,800 00
10,300 00
10,400 00
5,000 00
4,750 00
$308,550 00 f327,305 00
Market Value. Loaned Thereon.
$4,400 00^
1,700 00 !
3,380 00 ! |7 ' 165 50
225 00 J
1,705 00
',165 50
Summary of Assets Dec. 31, 1895.
Loans on mortgage of real estate (first liens*),
Interest due or accrued thereon,
Stocks and bonds, as per schedule, .
Loans on collateral security, as per schedule,
Cash in the office of the company, .
Cash deposited in bank, ....
Interest due and accrued, .
Premiums in course of collection (gross),
Notes taken for fire risks,
Gross assets.t .....
$98,800 00
1,067 66
327,305 00
7,165 50
1,527 74
39,640 85
1,590 36
25,748 75
13,324 91
$516,170 77
* Value of lands mortgaged, $105,000 00
Value of buildings thereon 197,000 00
Amount of insurance held as collateral, . . . 134,000 00
t Including $40,000 special reserve fund held under Rhode Island law.
MERCIL\NTS INSURANCE CO. IN PROVIDENCE.
205
Liabilities.
Losses adjusted, unpaid, .
claimed and reported, .
disputed or resisted,
Unearned premiums on outstanding risks
Due and accrued for rent, salaries, etc.,
State and local taxes,
Commissions and brokerage, .
Reinsurance disallowed, .
Gross liabilities, except capital,
Surplus as regards policy-holders, .
Paid-up capital, ....
Surplus over capital, .
$3,948 69
13,936 43
2,778 00
189,876 76
1,200 00
266 49
2,398 49
128 99
114,533 85
1301,636 92
200,000 00
$101,636 92
Income.
Fire premiums outstanding Dec. 31, 1894, . $37,901 18
Premiums on risks written or renewed, . . 319,539 22
Total, ........ $357,440 40
Premiums now in course of collection, . . 39,073 66
Entire premiums collected, .... $318,366 74
Less reinsurance and return premiums, . . 47,45185
Net cash fire premiums received, . . . ■ $270,914 89
Interest received on mortgages, 4,457 99
Interest and dividends received from all other sources, . . 14,916 05
Gross cash income, $290,288 93
Expenditures.
Cash paid for fire losses,
Deduct salvage and reinsurance,
Net cash paid for fire losses, .
Cash dividends paid, ....
Cash paid for commissions and brokerage,
for salaries, rent and incidentals,
for State and local taxes,
Profit and loss,
$139,699 43
4,871 28
$134,828 15
12,000 00
52,575 49
41,531 18
7,697 59
1,185 90
Gross cash expenditures, .
$249,818 31
266
MICHIGAN FIRE AND MARINE INSURANCE CO.
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895, .
Risks and Premiums.
Premiums.
$31,274,545 00 $376,225 57
26,763,380 00 319,539 22
Total
Deduct risks expired and terminated,
In force at end of year,
Deduct amount reinsured, .
Net amount in force, .
,037,925 00 $695,764 79
25,757,979 00 315,927 28
132,279,946 00 $379,837 51
642,528 00 7,485 05
831,637,418 00 $372,352 46
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company, .
Fire losses incurred during the year, ....
Cash dividends declared from organization of company,
Dividends declared during the year (6 per cent.), .
Company's stock owned by directors, .
$7,799,060 00
5,191,781 00
126,543 00
722,000 00
12,000 00
44,100 00
"MICHIGAN FIRE AND MARINE INSURANCE COMPANY,"
DETROIT, MICH.
[Incorporated February, 1881. Commenced business Marcb, 1881.]
Paid-up Capital, $400,000.
D. WHITNEY, Jr., President. F. H. WHITNEY, Secretary.
Detailed Statement of Stocks and Bonds.
Par Value. Market Value.
People's Savings Bank stock, .... $5,000 00 $8,500 00
Cheboygan County bonds, . . . . 12,500 00 12,500 00
Detroit city bonds, 10,025 00 10,025 00
Marquette city bonds, 32,000 00 33,600 00
Securities held as collateral for cash loans
Deed of real estate, .....
$59,525 00 $64,625 00
Market Value. Loaned Thereon.
$10,000 00 $3,225 60
Summary of Assets Dec. 31, 1895.
Cash value of unencumbered real estate, . $52,859 27
Loans on mortgage of real estate (first liens*), 546,038 00
Interest due or accrued thereon, . . . 16,697 35
Stocks and bonds, as per schedule, . . . 64,625 00
* Value of lands mortgaged,
Value of buildings thereon,
Amount of insurance held as collateral, .
$842,860 00
573,350 00
369,625 00
MICHIGAN FIRE AND MARINE INSURANCE CO.
207
Loans on collateral security, as per schedule,
Cash in the office of the company, .
Cash deposited in bank, ....
Interest due and accrued, ....
Premiums in course of collection (gross),
Notes taken for marine and inland risks,
Gross assets,
$3,225 60
10,845 43
45,698 27
1,546 92
61,470 40
438 06
§803,444 30
Liabilities.
Losses adjusted, unpaid, ....
claimed and reported, .
disputed or resisted,
Unearned premiums on outstanding risks,
Commissions and brokerage, .
Return >premiums and reinsurance, .
Reinsurance disallowed, ....
Gross liabilities, except capital,
Surplus as regards policy-holders, .
Paid-up capital,
$4,537 23
11,091 75
2,073 34
223,792 86
11,964 29
4,874 24
2,140 32
260,474 03
. $542,970 27
400,000 00
Surplus over capital, .
$142,970 27
Income.
Fire premiums outstanding Dec 31, 1894,
Premiums on risks written or renewed, .
Total,
Premiums now in course of collection,
Entire premiums collected,
Less reinsurance and return premiums,
Net cash fire premiums received,
Cash marine premiums received,
Interest received on morto-asres,
Interest and dividends received from all other
Income from rents, ....
Income from all other sources,
Gross cash income,
$49,365 08
381,837 41
$431,202 49
61,908 46
369,294 03
75,164 16
sources,
$294,129 87
1,462 67
33,450 69
4,778 29
76 61
1,655 29
135,553 42
Expenditures.
Cash paid for fire losses, . . . . .
Deduct salvage and reinsurance,
Net cash paid for fire losses, . . . .
Cash dividends paid, , ,
$186,092 66
9,229 61
$176,863 05
16,000 00
268
MIDDLESEX MUTUAL ASSURANCE CO.
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for rent and incidentals, .
Gross cash expenditures, ....
$58,878 34
14,973 56
14,703 66
32,515 42
$313,934 03
Fire risks outstanding 1 Dec. 31, 1894,
Fire risks written during 1895,
Risks and Premiums.
Premiums.
,908,445 00 $497,222 33
29,930,000 00 381,837 41
Total,
Deduct risks expired and terminated,
In force at end of year, .
Deduct amount reinsured,
Net amount in force,
19,838,445 00 '$879,059 74
. 31,775,229 00 407,108 82
.|38,063,216 00 $471,950 92
. 2,551,043 00 29,091 90
,512,173 00 $442,859 C2
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company, .
Fire losses incurred during the year, ....
Cash dividends declared from organization of company,
Dividends declared during the year (4 percent.), .
Company's stock owned by directors, .
^5,109,341 00
2,770,896 00
174,489 00
182,000 00
16,000 00
218,300 00
"MIDDLESEX MUTUAL ASSURANCE COMPANY;' MIDDLE-
TOWN, CONN.*
[Incorporated June 2, 1836. Commenced business June 13, 1836.]
O. VINCENT COFFIN, President. C. W. HARRIS, Secretary.
Detailed Statement of Stocks and Bonds.
Par Value. Market Value.
Middletown, Conn., town bonds, . . . $36,000 00 $36,000 00
Portland, Conn, town bonds, .... 100,000 00 100,000 00
Jeffersonville, Ind., city bonds, . . . 10,000 00 10,000 00
Kvansville, Ind, city bonds, .... 5,000 00 4,500 00
Delaware & Hudson Canal Company bonds, . 10,000 00 13,800 00
American Water Works bonds, . . . 10,000 00 9,000 00
Nebraska Loan & Trust Company bonds, . 81,000 00 81,000 00
N. Y , New Haven & Hartford Railroad bonds, 15,000 00 20,250 00
200 shares N. Y. Cent. & Hudson River R.R, . 20,000 00 19,500 00
250 " Chic, Rock Island & Pacific R.R, . 25,000 00 16,875 00
375 » New York, New Haven & Hart. R.R, 37,500 00 67,500 00
200 " Chicago, Burlington &Quincy R.R, 20,000 00 15,400 00
* A mutual company.
MIDDLESEX MUTUAL ASSURANCE CO.
260
400 shares Chicago & Northwestern Railroad,
150 " Middletown National Bank, Conn.,
40 " First Nat'l Bank, Middlet'n, Conn.,
85 " Middlesex Co. N'l Bank, Middlet'n,
30 " Central Nat'l Bank, Middletown, .
10 " First National Bank, Portland,
Par Value.
$40,000 00
11,250 00
4,000 00
8,500 00
2,250 00
1,000 00
Market Value.
$18,800 00
15,750 00
4,160 00
8,500 00
2,700 00
1,000 00
$436,500 00 $474,735 00
Summary of Assets Dec. 31, 1895.
€ash value of unencumbered real estate, . $180,000 00
Loans on mortgage of real estate (first liens*), 5,000 00
Stocks and bonds, as per schedule, . . . 474,735 00
Cash deposited in bank, 46,740 54
Premiums in course of collection (gross), . 18,333 34
Gross assets,
$724,808 88
Liabilities.
Losses adjusted, unpaid, .
claimed and reported, .
disputed or resisted,
Unearned premiums on outstanding risks
State and local taxes,
Commissions and brokerage, .
Reinsurance disallowed, .
Gross liabilities, except capital,
Surplus as regards policy -holders,
$2,976 47
1,500 00
1,300 00
160,553 03
3,009 37
4,583 33
55 88
173,978 08
. |550,830 80
Income.
Fire premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed,
Total,
Premiums now in course of collection,
Entire premiums collected,
Less reinsurance and return premiums,
Net cash lire premiums received,
Interest received on mortgages,
Interest and dividends received from all
Income from rents, ....
Gross cash income,
$14,334 18
94,858 75
$109,192 93
18,333 34
,859 59
6,586 75
other sources, .
184,272
84
.
300
00
.
21,086
44
•
12,309
41
. $117,968
69
$12,800 00
y
3,200 00
650 00
* Value of lands mortgaged, . .
Value of buildings thereon, .
Amount of insurance held as collateral,
270
MILWAUKEE MECHANICS INSURANCE CO.
Expenditures.
Cash paid for fire losses,
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for incidentals, ....
Gross cash expenditures, . . - . . .
$52,814 03
12,926 93
14,149 97
7,322 21
12,213 35
,426 49
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
Risks and Premiums.
Premiums.
,683,067 00 $303,026 67
13,039,293 00 94,858 75
Total,
Deduct risks expired and terminated,
In force at end of year, .
Deduct amount reinsured,
Net amount in force,
^51,722,360 00 $397,885 42
11,473,083 00 76,667 60
,249,277 00 $321,217 82
8,000 00 111 75
.$40,241,277 00 $321,106 07
Miscellaneous.
Losses paid from organization of company, .
Fire losses incurred during the year,
$844,730 00
52,814 00
"MILWAUKEE MECHANICS' INSURANCE COMPANY,"
MILWAUKEE, WIS.
[Incorporated Feb. 15, 1852. Commenced business April 1, 1852.]
Paid-up Capital, $200,000.
CHRISTIAN PREU8SER, President. ADOLF J. CRAMER, Secretary.
Detailed Statement of Stocks and Bonds.
Milwaukee County bonds,
Milwaukee city bonds,
Brown County, Wis., bonds,
Oshkosh City, Wis , bonds,
La Crosse City, Wis., bonds,
St. Paul, Minn., city bonds,
Ramsey County, Minn., bonds,
Mil. Underwriters' Building Asso stock,
Sanitary Dist. of Chicago bonds,
Tar Value.
$23,000 00
208,500 00
32,000 00
28,000 00
35,000 00
225,000 00
100,000 00
2,042 00
50,000 00
Market Value.
$25,300 00
219,940 00
34,240 00
29,400 00
37,100 00
251,500 00
110,000 00
2,192 20
52,875 00
$703,512 00 $762,547 20
MILWAUKEE MECHANICS INSURANCE CO.
271
Summary of Assets Dec. 31, 1895.
Cash value of unencumbered real estate, . . $45,000 00
Loans on mortgage of real estate (first liens*), 1,130,997 65
Interest due or accrued thereon, . . . 27,238 00
Stocks and bonds, as per schedule, . . . 762,547 20
Cash in the office of the company, . . . 30,879 96
Cash deposited in bank, 96,500 34
Interest due and accrued, 6,303 00
Premiums in course of collection (gross), . 136,182 52
Gross assets,
f2,235,648 67
Liabilities.
Losses adjusted, unpaid, ....
claimed and reported, .
disputed or resisted,
Unearned premiums on outstanding risks,
Commissions and brokerage, .
Reinsurance,
Reinsurance disallowed, ....
Gross liabilities, except capital,
Surplus as regards policy-holders, .
Paid-up capital,
Surplus over capital, ....
$17,078 20
48,044 00
15,850 00
743,120 75
25,216 50
44,530 55
495 18
894,335 18
. $1,341,313 49
200,000 00
. $1,141,313 49
Income.
j
Fire premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed, .
Total,
Premiums now in course of collection, .
Entire premiums collected,
Less reinsurance and return premiums, .
Net cash fire premiums received,
Interest received on mortgages,
Interest and dividends received from all other
Income from rents, .....
Gross cash income, ....
$60,829 07
1,175,120 06
$1,235,949 13
136,182 52
$1,099,766 61
230,338 78
sources,
$869,427 83
59,718 82
27,843 99
1,200 00
$958,190 64
Expenditures.
Cash paid for fire losses, ....
Deduct salvage and reinsurance,
Net cash paid for fire losses, .
$515,070 32
47,030 29
$468,040 03
* Value of lands mortgaged $2,097,900 00
Value of buildings thereon, ...... 700,000 00
Amount of insurance held as collateral, . . . 594,800 00
272 MUTUAL FIRE INSURANCE CO. IN THE CITY OF NEW YORK.
Cash dividends paid,
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,.
for incidentals, . . . .
Gross cash expenditures, ....
Risks and Premiums.
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
Total, ......
Deduct risks expired and terminated,
In force at end of year, .
Deduct amount reinsured,
Net amount in force, .
|108,169,070 00
82,248,994 00
$190,418,064 00
77,253,657 00
$113,164,407 00
7,732,510 00
$60,000 00
236,125 06
53,807 87
31,930 59
58,461 86
$908,365 41
Premiums.
M,360,242 99
1,175,120 06
12,535,363 05
1,000,475 69
11,534,887 36
96,708 23
|105,431,897 00 $1,438,179 13
Miscellaneous
Premiums received from organization of company,
Losses paid from organization of company, .
Fire losses incurred during the year, ....
Cash dividends declared from organization of company,
Dividends declared during the year (30 per cent),
Company's stock owned by directors, ....
$11,363,845 00
5,717,188 00
486,539 00
520,000 00
60,000 00
82,910, 00
"MUTUAL FIRE INSURANCE COMPANY IN THE CITY OF
NEW YORK," N. Y.
[Incorporated Feb. 1, 1869. Commenced business June 19, 1882.]
Paid-up Capital, $225,000.
R. A. LOEWENTHAL, President. WM. A. FRANCIS, Secretary.
Detailed Statement of Stocks
United States bonds, ....
District of Columbia bonds,
Chicago, Milwaukee & St. Paul RR. bonds,
Chicago, Rock Island & Pacific RR. bonds,
Chicago & Northwestern Railroad bonds,
280 sha
117
200
118
15
100
res Mercantile National Bank,
Importers 1 & Traders' Natl Bank,
Citizens 1 National Bank, .
Columbia Bank,
National Park Bank,
Fire Asso. of New York,
and Bonds.
Par Value.
$287,000 00
228,500 00
39,000 00
38,000 Q0
16,000 00
28,000 00
11,700 00
5,000 00
11,800 00
1,500 00
Market Value.
$322,805 00
258,205 00
44,980 00
46,280 00
18,040 00
51,800 00
64,350 00
7,000 00
29,500 00
4,275 00
125 00
$666,500 00 $847,360 00
MUTUAL FIRE INSURANCE CO. IN THE CITY OF NEW YORK. 273
Summary of Assets Dec. 31, 1895.
Stocks and bonds, as per schedule, .
Cash in the office of the company, .
Cash deposited in bank, .
Interest due and accrued, .
Premiums in course of collection (gross)
Gross assets, ....
Deduct special deposits in other States,
Balance,
$847,360 00
5,914 72
77,524 25
5,461 00
92,743 30
f 1,029,003 27
45,100 00
1983,903 27
Liabilities.
Losses adjusted, unpaid, $72,216 63
Unearned premiums on outstanding risks, . 338,867 78
Due for borrowed money, . . . . 75,000 00
Commissions and brokerage, .... 9,400 00
Gross liabilities, except capital, . . $495,484 41
Deduct liability on special deposits, . . 13,124 36
Surplus as regards policy-holders, ......
Paid-up capital, . . . •. . . . $225,000 00
Scrip outstanding, not ordered to be redeemed, 323,063 00
Impairment of scrip,
482,360 05
$501,543 22
548,063 00
$46,519 78
Income.
Fire premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed, .
Total, $1,079,690 37
Premiums now in course of collection, . . 92,743 30
Entire premiums collected,
Less reinsurance and return premiums, .
Net cash tire premiums received,
Interest and dividends received from all sources,
$128,572 90
951,117 47
|986,947 07
270,140 96
$716,806 11
35,826 48
Gross cash income, ........ $752,632 59
Expenditures.
Cash paid for fire losses, .
Deduct salvage and reinsurance,
Net cash paid for fire losses, .
Cash dividends paid, . .
Interest paid scrip-holders,
$507,033 93
23,263 60
$483,770 33
21,995 54
11,306 76
274
NATIONAL FIRE INSURANCE CO.
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for rent and incidentals, .
Gross cash expenditures, ....
,839 14
52,488 54
17,788 85
96,254 53
$780,443 69
Fire risks outstanding Dec. 31, 1894,
Fire risks written daring 1895,
Risks and Premiums.
Premiums.
,506,856 00 $970,008 89
84,821,740 00 951,117 47
Total,
Deduct risks expired and terminated,
In force at end of year,
Deduct amount reinsured,
Net amount in force, .
1165,328,596 00 $1,921,126 36
104,363,569 00 1,241,924 04
,965,027 00 $679,202 32
157,058 00 1,466 77
,807,969 00 $677,735 55
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company, .
Fire losses incurred during the year, ....
Cash dividends declared from organization of company,
Dividends declared during the year, ....
Company's stock owned by directors, ....
59,174,774 00
5,920,988 00
417,988 00
787,964 00
33,302 00
88,460 00
"NATIONAL FIRE INSURANCE COMPANY OF HARTFORD,"
HARTFORD, CONN.
[Incorporated Nov. 27, 1871. Commenced business Dec. 3, 1871.]
Paid-up Capital, $1,000,000.
JAMES NICnOLS, President. E. G-. RICHARDS, Secretary.
Detailed Statement of Stocks and Bonds.
Par Value. Market Value.
Atchison, Topeka & Santa Fe R.R. bonds, . $14,000 00 $7,940 00
Bangor & Aroostook R R. Co. bonds, . . 25,000 00 25,000 00
Buffalo Railway Co. bonds, * , " . . . 25,000 00 26,000 00
Cedar Rapids, Iowa Falls & N. W. R.R. bonds, 25,000 00 26,250 00
Chesapeake & Ohio R.R. bonds, . . . 20,000 00 17,400 00
Chicago, Burlington & Quincy R.R. bonds, . 18,200 00 19,440 00
Chicago & Indiana Coal Railway Co. bonds, . 25,000 00 25,500 00
Chicago, Milwaukee & St. Paul R R. bonds, . 60,000 00 69,500 00
Chicago & Northwestern R.R. bonds, . . 19,000 00 . 21,280 00
Chicago & Western Indiana R.R. bonds, . 20,000 00 21,000 00
Cincinnati, Dayton & Ironton R.R. bonds, . . 10,000 00 10,600 00
NATIONAL FIRE INSURANCE CO.
275
Cincinnati, Hamilton & Dayton R.R. bonds,
Cin., Indianapolis, St. Louis & Chic. R R. b'ds
Cleve., Col., Cin. & Indianapolis R.R. bonds,
Cleveland, Loraine & Wheeling R.R. bonds,
Columbus & Hocking Valley R.R. bonds,
Columbus, Sandusky & Hocking R.R. bonds,
Columbus, Shawnee & Hocking R.R. bonds,
Columbus & Toledo R.R. bonds,
Danbury & Norwalk R.R. bonds,
East. Tenn., Virginia & Georgia R.R. bonds,
Erie Railway bonds, ....
Evansville & Terre Haute R.R. bonds,
Evansville, Terre Haute & Chicago R'y bonds
Hannibal & St. Joseph R.R. bonds, .
Hartford & Conn. Western R.R. bonds, .
Houston & Texas Central R.R. bonds,
Hunt'g'n & Broad Top Mt. R.R. and Coal Co.
Indiana & Lake Michigan R.R. bonds,
Kanawha & Michigan Railway Co. bonds,
Knoxville & Ohio R.R. bonds, .
Louisville, New Albany & Chicago R.R. bonds
Louisville & Nashville R.R. bonds, .
Memphis & Charleston R.R. bonds, .
Montana Central Railway Co. bonds,
Morgan's La. & Tex R R. & St'mship Co b'ds
Naumkeag Street Railway bonds,
New York, New Haven & Haf tford R.R. cert's
Nodaway Valley Railroad bonds,
Norfolk & Western Railroad bonds,
Northern Pacific Railroad bonds,
Oregon Railway & Navigation Railroad bonds
Phila. & Reading Coal & Iron Co. bonds,
Piedmont & Cumberland Railway Co. bonds,
Rochester & Pittsburgh Railroad bonds, .
Sandusky, Mansfield & Newark R.R. bonds,
St. Paul, Minn. & Manitoba Railroad bonds,
St. Paul & Northern Pacific Railroad bonds,
St. Louis, Alton & Terre Haute Railroad bonds
Seattle, Lake Shore & Eastern R.R. bonds,
Toledo & Ohio Central Railway Co. bonds,
Union Pacific R.R. bonds, ....
Wabash Railroad Company bonds, . •
West Chicago Street R'y Tunnel Co. bonds,
West Va., Central & Pittsburg R'y Co. bonds
Galveston city bonds, ....
Georgia State bonds, . .
Helena city bonds, . . . .
Lincoln city bonds, .....
Tar Value.
815,000 00
35,000 00
35,000 00
25,000 00
10,000 00
3,000 00
20,000 00
38,000 00
10,000 00
30,000 00
20,000 00
10,000 00
10,000 00
50,000 00
10,000 00
10,000 00
10,000 00
10,000 00
15,000 00
20,000 00
35,000 00
10,000 00
20,000 00
20,000 00
10,000 00
20,000 00
30,000 00
6,000 00
22,000 00
13,000 00
20,000 00
12,000 00
20,000 00
25,000 00
30,000 00
10,000 00
25,000 00
25,000 00
20,000 00
65,000 00
30,000 00
20,000 00
35,000 00
50,000 00
25,000 00
25,000 00
20,000 00
12,000 00
Market Value.
$18,000 00
34,300 00
44,800 00
26,500 00
10,500 00
900 00
9,000 00
42,480 00
11,200 00
31,800 00
27,000 00
10,000 00
10,400 00
59,000 00
10,000 00
10,600 00
10,600 00
10,000 00
12,000 00
22,800 00
38,250 00
12,000 00
22,200 00
22,800 00
12,300 00
20,000 00
40,500 00
6,120 00
12,100 00
13,000 00
21,600 00
12,000 00
20,400 00
29,000 00
36,000 00
11,600 00
29,500 00
25,750 00
8,000 00
68,200 00
31,800 00
21,000 00
35,350 00
54,000 00
25,500 00
27,500 00
21,600 00
12,240 00
276
NATIONAL FIRE INSURANCE CO.
Meriden town bonds, ....
New Britain city bonds, ....
Richmond city bonds, ....
Suffield & Thompsonville Bridge Co. bonds,
United States bonds, . .
Underwriters 1 Protective Association bonds,
West Middle School District, Hartford, bonds
300 shares Belt Railroad, Indianapolis, .
200 " Cleveland & Pittsburgh Railroad,
120 " Chicago, Burlington & QuincyR.R.
330 " Chicago, Rock Island & Pacific R.R.
200 " Ft. Wayne & Jackson Railroad Co.
167 " Illinois Central Railroad,
750 " N. Y., New Haven & Hart. R.R.,
200 " New York & Harlem Railroad,
500 " N. Y. Central & Hudson River R.R.
100 " Oswego & Syracuse Railroad,
760 " Pennsylvania Railroad, .
100 " Peoria & Bureau Valley Railroad,
200 " Pittsburgh, Ft.Wayne & Chic. R R.
250 " JEtn-d National Bank,
70 " Boston National Bank, Boston,
117 " Charter Oak National Bank, .
50 " Central National Bank, N. Y.,
40 " City Bank, ....
100 " Farmers and Mechanics Natl Bank
30 " First National Bank, Meriden,
509 " Hartford National Bank,
50 " Mercantile National Bank, .
100 " Metropolitan National Bank, N Y.
300 " National Exchange,
75 " Natl Bank of the Republic, Boston
10 " Natl B'k of Commerce, Kansas City
450 " Phoenix National Bank, .
70 " St Paul National Bank, .
25 " Second National Bank, New Haven
100 " Thames National Bank, Norwich,
400 " Northwestern Telegraph Company
400 " Willimantic Linen Company, .
Par Value.
f 10,000 00
6,000 00
66,900 00
28,000 00
50,000 00
1,000 00
26,000 00
15,000 00
10,000 00
12,000 00
33,000 00
20,000 00
16,700 00
75,000 00
10,000 00
50,000 00
5,000 00
38,000 00
10,000 00
20,000 00
25,000 00
7,000 00
11,700 00
5,000 00
4,000 00
10,000 00
3,000 00
50,900 00
5,000 00
3,200 00
15,000 00
7,500 00
1,000 00
45,000 00
7,000 00
2,500 00
10,000 00
20,000 00
10,000 00
Market Value.
$10,000 00
6,300 00
71,801 00
28,000 00
55,000 00
1,000 00
26,000 00
10,500 00
16,000 00
9,000 00
21,450 00
23,600 00
15,330 00
133,500 00
26,500 00
49,000 00
9,750 00
39,520 00
16,500 00
32,000 00
35,000 00
7,000 00
10,530 00
5,850 00
4,000 00
11,200 00
3,750 00
73,805 00
4,000 00
300 00
18,000 00
11,250 00
1,100 00
54,000 00
5,600 00
4,250 00
14,500 00
21,600 00
10,000 00
$2,047,600 00 $2,268,586 00
Summary of Assets Dec. 31, 1895.
Cash value of unencumbered real estate, . $263,480 75
Loans on mortgage of real estate (first liens*), 685,563 97
Interest due or accrued thereon, . . . 16,104 34
* Value of lands mortgaged, .
Value of buildings thereon, . .
Amount of insurance held as collateral,
$1,055,250 00
956,900 00
587,660 00
NATIONAL FIRE INSURANCE CO.
277
Stocks and bonds, as per schedule, .
Cash in the office of the company, .
Cash deposited in bank, . . .
Premiums in course of collection (gross),
Gross assets,
Deduct special deposits in other States, .
Balance,
Liabilities.
Losses adjusted, unpaid, ....
claimed and reported, .
disputed or resisted,
Unearned premiums on outstanding risks,
Commissions and brokerage, .
Return premiums,
Reinsurance disallowed, ....
Gross liabilities, except capital,
Deduct liability on special deposits,
Surplus as regards policy-holders, .
Paid-up capital,
Surplus over capital, ....
Income.
Fire premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed, .
- Total,
Premiums now in course of collection, .
Entire premiums collected,
Less reinsurance and return premiums, .
Net cash fire premiums received,
Interest received on mortgages,
Interest and dividends received from all other
Gross cash income,
Expenditures.
Cash paid for fire losses, ....
Deduct salvage and reinsurance,
Net cash paid for fire losses,
Cash dividends paid,
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for incidentals, ....
Gross cash expenditures, . . ,
$2,268,586 00
1,031 40
224,259 40
401,115 88
1,860,141 74
127,500 00
$3,732,641 74
$94,213 53
84,228 39
32,131 77
1,825,152 38
66,323 66
44,894 26
85,511 75
52,232,455 74
50,633 08
2,181,822 Q6
. $1,550,819 08
. 1,000,000 00
$550,819 08
$376,182 11
2,907,842 38
£3,284,024 49
401,115 88
},882,908 61
504,370 09
sources,
$2,378,538 52
39,519 64
104,576 87
$2,522,635 03
1,451,227 95
150,676 57
,300,551 38
100,000 00
425,554 77
178,753 93
63,468 65
181,908 18
>,250,236 91
278
NEWARK FIRE INSURANCE CO.
Risks and Premiums.
Premiums.
Fire risks outstanding Dec. 31, 1894, . $291,543,432 00 $3,578,811 01
Fire risks written during 1895, . . 238,662,764 00 2,907,842 38
Total,
Deduct risks expired and terminated,
In force at end of year, .
Deduct amount reinsured,
Net amount in force, .
$530,206,196 00 $6,486,653 39
220,923,204 00 2,674,146 13
$309,282,992 00 $3,812,507 26
16,229,586 00 230,446 29
$293,053,406 00 $3,582,060 97
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company, .
Fire losses incurred during the year, ....
Cash dividends declared from organization of company,
Dividends declared during the year (10 per cent.),
Company's stock owned by directors, ....
H 9,765,754 00
10,308,903 00
1,249,747 00
2,077,000 00
100,000 00
78,900 00
"NEWARK FIRE INSURANCE COMPANY," NEWARK, N. J.
[Incorporated May 14, 1810. Commenced business May 14, 1810.]
Paid-up Capital, $250,000.
JOHN J. HENRY, President. FRANK T. McBRIDE, Secretary.
Detailed Statement of Stocks and Bonds.
Par Value. Market Value.
United States bonds, . . . . . $ 40,000 00 $43,600 00
West Shore Railroad bonds, ... . 35,000 00 36,400 00
Orange & Newark Railroad bonds, . . . 25,000 00 28,000 00
Essex Passenger Railroad bonds, . . . 5,000 00 5,550 00
Morris & Essex Railroad stock, . . . 20,000 00 33,000 00
Underwriters' Protective Asso'n bonds, . . 1,000 00 1,000 00
Newark & South Orange Railroad bonds, . 20,000 00 20,000 00
Newark water bonds, . . ... . 3,000 00 3,000 00
Hoboken Land and Improvement bonds, . 25,000 00 26,000 00
National State Bank stock, .... 15,900 00 24,645 00
National Newark Banking Company stock, . 7,700 00 12,705 00
Newark City National Bank stock, . . . 13,250 00 20,537 50
Newark & Irvington H. C. R.R. bonds, . . 2,000 00 2,140 00
Newark & Bloomfield H. C. R.R. bonds, . . 2,000 00 2,160 00
$214,850 00 $258,737 50
NEWARK FIRE INSURANCE CO.
279
Summary of Assets Dec. 31, 1895.
Cash value of unencumbered real estate,
Loans on mortgage of real estate (tirst liens*)
Interest due or accrued thereon,
Stocks and bonds, as per schedule, .
Cash in the office of the company, .
Cash deposited in bank, ....
Interest due and accrued, ....
Premiums in course of collection (gross),
Notes taken for fire risks,
Rents due and accrued, ....
Premiums more than three mos. due, $969 27
Gross assets, .......
$51,200 00
282,690 00
5,062 34
258,737 50
1,365 53
27,850 10
3,095 00
18,780 76
155 00
102 08
$649,038 31
Liabilities.
Losses adjusted, unpaid, ....
claimed and reported, .
disputed or resisted,
Unearned premiums on outstanding risks,
Dividends to stockholders unpaid, .
State and local taxes, ....
Commissions and brokerage, .
Gross liabilities, except capital,
Surplus as regards policy-holders, .
Paid-up capital,
Surplus over capital, ....
$9,615 69
11,977 16
1,965 28
126,386 13
6,748 00
48 60
3,758 40
160,499 26
. $488,539 05
250,000 00
. $238,539 05
Income.
Fire premiums outstanding Dec. 31, 1894,
Same not collected,
Net collected,
Premiums on risks written or renewed, .
Total, .......
Premiums now in course of collection, .
Entire premiums collected,
Less reinsurance and return premiums, .
Net cash fire premiums received,
Interest received on mortgages,
Interest and dividends received from all other
Income from rents, .
Gross cash income, ....
$19,562 55
218 96
$19,343 59
197,642 51
$216,986 10
19,905 03
$197,081 07
30,770 00
sources,
$166,311 07
13,143 62
12,185 94
1,031 16
$192,671 79
* Value of lands mortgaged,
Value of buildings thereon, . ...
Amount of insurance held as collateral, .
460
100 00
100 00
395,020 00
280
NEW HAMPSHIRE FIRE INSURANCE CO.
Expenditures.
Cash paid for fire losses,
Deduct salvage and reinsurance,
Net cash paid for fire losses, . . . .
Cash dividends paid, ......
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for incidentals, ....
Gross cash expenditures, ....
$83,919 36
2,616 48
$81,302 88
25,265 10
31,712 36
20,329 09
7,969 76
12,783 45
79,362 64
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
Risks and Premiums.
Premiums.
. $29,211,890 00 $279,543 90
. 20,838,321 00 197,642 51
Total,
Deduct risks expired and terminated,
In force at end of year, .
Deduct amount reinsured,
Net amount in force,
f 50,050,211 00 $477,186 41
22,109,639 00 209,710 16
$27,940,572 00 $267,476 25
1,663,000 00 13,088 29
,277,572 00 $254,387 96
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company, .
Fire losses incurred during the year, ....
Cash dividends declared from organization of company,
Dividends declared during the year (10 per cent.), .
Company's stock owned by directors, ....
54,842,792 00
2,350,891 00
83,341 00
765,780 00
25,000 00
40,505 00
"NEW HAMPSHIRE FIRE INSURANCE COMPANY,"
MANCHESTER, N. H.
[Incorporated 1869. Commenced business April, 1870.]
Paid-up Capital, $800,000.
JOHN C FRENCH, President. GEO. E. KENDALL, Secretary.
Detailed Statement of Stocks and Bonds.
United States government bonds,
City of Topeka, Kan , bonds, .
City of Moorhead, Minn., bonds,
City of Lincoln, Neb , bonds, .
City of Seattle, Wash., bonds, .
City of Tacoma, Wash., bonds, .
Par Value.
$100,000 00
2,000 00
6,000 00
21,000 00
10,000 00
25,000 00
Market Value.
$111,250 00
2,000 00
6,000 00
21,420 00
10,200 00
27,000 00
NEW HAMPSHIRE EIRE INSURANCE CO.
281
City of East Portland, Ore , bonds,
City of Cleveland, O , bonds, .
City of Columbus, O., bonds, .
City of Ashtabula, O , bonds, .
City of Dayton, O., bonds,
City of Salem, Mass , bonds,
Watertown & Rome R.R. bonds,
Maine Central R.R. bonds,
New York & New England R.R. bonds,
Boston, Concord & Montreal R.R. bonds,
Concord & Montreal R.R. bonds,
Chicago, Burlington & Quincy R R. bonds,
Union Pacific R.R. " Trust," .
Oregon Short Line R.R. bonds, .
Chicago & West Michigan R.R. bonds,
Chicago, Burlington & Northern R.R. bonds,
Montana Central R.R. bonds, .
Lehigh Valley Terminal R'y Co. bonds,
Hillsborough County, N. H., bonds, .
Topeka, Kan., Water Supply Co. bonds,
Claremont, N. H., Water Works bonds,
Minneapolis Gas Light Co. bonds, .
Central Loan & Land Co. bonds,
Johnson Loan & Trust Co. bonds, .
National Loan & Trust Co. bonds, .
Nashua Card & Glazed Paper Co. bonds,
Grand Forks Gas & Electric Co. bonds,
Minneapolis General Electric Co. bonds,
Swift & Co., Chicago, bonds, .
Suncook Valley R.R. stock, . . '
N. Y. Central & Hudson River R.R. stock,
N. Y., New Haven & Hartford R.R. stock,
Norwich & Worcester R.R. stock,
Pemigewasset Valley R.R stock,
Boston & Albany R.R. stock, .
Boston & Maine R R. stock,
Concord & Montreal R.R. stock,
Chicago, Burlington & Quincy R.R. stock,
Chicago & Alton R.R. stock,
Illinois Central R.R. stock,
Chic , Rock Island & Pacific R.R. stock,
Chic. June. Ry. & Union Stock Yards Co. stock
Lake Shore & Michigan Southern R.R. stock,
Chicago & Northwestern R.R. stock,
Merchants 1 Nat'l B'k, Manchester, N. H , stock
Merchants' Nat'l B"k, Kansas City, Mo., stock,
Pemigewasset Nat'l B'k, Plymouth, N. H., stock
Berlin National Bank, Berlin, N. H., stock,
Par Value.
$25,000 00
50,000 00
10,000 00
10,000 00
20,000 00
10,000 00
10,000 00
10,000 00
20,000 00
50,000 00
100,000 00
48,000 00
10,000 00
10,000 00
25,000 00
5,000 00
25,000 00
25,000 00
15,000 00
20,000 00
5,000 00
20,000 00
20,000 00
9,000 00
10,000 00
10,000 00
5,000 00
25,000 00
25,000 00
4,000 00
20,000 00
22,500 00
3,100 00
26,000 00
10,000 00
20,000 00
20,000 0.0
47,400 00
10,000 GO
30,000 00
10,000 00
20,000 00
20,000 00
25,000 00
10,000 00
4,500 00
6,000 00
2,500 00
Market Value.
$27,000 00
52,000 00
11,000 00
10,400 00
21,200 00
10,200 00
12,000 00
10,600 00
23,200 00
62,000 00
103,000 00
50,680 00
8,000 00
10,000 00
18,750 00
5,150 00
25,000 00
26,750 00
15,600 00
20,000 00
5,000 00
20,800 00
20,000 00
5,400 00
10,000 00
10,000 00
5,000 00
25,000 00
25,000 00
4,800 00
20,000 00
40,500 00
5,890 00
32,500 00
20,600 00
35,000 00
34,400 00
37,920 00
16,000 00
28,800 00
7,000 00
20,400 00
30,000 00
26,000 00
13,000 00
2,700 00
7,800 00
2,750 00
282
NEW HAMPSHIRE FIRE INSURANCE CO.
First National Bank, Peterborough, N. H., stock,
First National Bank, Concord, N. H , stock,
Laconia National Bank, Laconia, N. H., stock,
Lancaster Trust Co., Lancaster, N. H., stock,
Exeter Banking Co., Exeter, N. H., stock,
Amoskeag Manuf. Co., Manchester, N. H.,
Manchester Mills, Manchester, N. H., stock,
Stark Mills, Manchester, N. H., stock,
Quincy Railroad Bridge Co. stock, .
Pullman's Palace Car Co. stock,
Manchester Gas Light Co. stock,
American Express Co. stock, .
Par Value.
$5,000 00
3,000 00
2,500 00
2,500 00
1,000 00
10,000 00
30,700 00
10,000 00
10,000 00
30,000 00
1,400 00
10,000 00
Market Value.
$6,750 00
9,000 00
2,875 00
2,500 00
1,000 00
17,500 00
30,700 00
9,500 00
17,000 00
45,000 00
8,400 00
11,200 00
$1,218,100 00 $1,374,085 00
Securities held as collateral for cash loans : —
8 shares Manchester & Lawrence R.R.,
2 shares Moline Plow Co.,
Mortgage notes guaranteed,
300 shares Swift Refrigerator Trans Co.,
240 shares Exeter Manufacturing Co.,
Exeter Manufacturing Co. bonds, .
Consol. Mort. of Duluth, Minn., St. R R. bonds,
Mortgage note, ........
Market Value. Loaned Thereon.
$1,800 00
2,000 00
7,300 00
30,000 00
12,000 00
12,000 00
20,000 00
4,000 00
$2,700 00
5,700 00
25,000 00
10,000 00
10,000 00
10,000 00
3,300 00
,100 00 $66,700 00
Summary of Assets Dec. 31, 1895.
Cash value of unencumbered real estate, . $44,250 00
Loans on mortgage of real estate (first liens*), 589,476 66
Stocks and bonds, as per schedule, . . . 1,374,085 00
Loans on collateral security, as per schedule, 66,700 00
Cash in the office of the company, . . . 10,727 60
Cash deposited in bank, 89,618 07
Premiums in course of collection (gross), . 168,061 15
Gross assetsf,
$2,342,918 48
Liabilities.
Losses adjusted, unpaid, .
claimed and reported,
disputed or resisted,
,832 54
66,800 00
10,000 00
* Value of lands mortgaged, .
Value of buildings thereon, .
Amount of insurance held as collateral,
$830,440 00
830,250 00
501,550 00
t Items of accrued interest and lease-hold interest in office building are not included in the
footing of the assets of the company.
NEW HAMPSHIRE FIRE INSURANCE CO.
283
Unearned premiums on outstanding risks,
Commissions and brokerage, .
Gross liabilities, except capital,
Surplus as regards policy-holders, .
Paid-up capital,
$867,664 33
33,612 23
,024,909 10
. $1,318,009 38
800,000 00
Surplus over capital, $518,009 38
Income.
Fire premiums outstanding Dec. 31, 1894, . $125,206 21
Premiums on risks written or renewed, . . 1,253,687 13
Total, $1,378,893 34
Premiums now in course of collection, . . 168,061 15
Entire premiums collected, .... $1,210,832 19
Less reinsurance and return premiums, . . 180,710 65
Net cash fire premiums received, . . . $1,030,121 54
Interest received on mortgages, 29,412 23
Interest and dividends received from all other sources, . . 64,585 35
Gross cash income, . . $1,124,119 12
Expenditures.
Cash paid for fire losses,
Deduct salvage and reinsurance,
Net ca*h paid for fire losses, ....
Cash dividends paid,
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for incidentals, . . .
Gross cash expenditures, ....
$587,863 76
27,098 34
$560,765 42
64,000 00
207,359 59
47,327 44
30,050 88
56,958 20
,461 53
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
Risks and Premiums.
Premiums.
$119,214,052 00 $1,609,876 29
102,798,549 00 1,253,687 13
Total,
Deduct risks expired and terminated,
In force at end of year,
Deduct amount reinsured,
Net amount in force, . , ,
$222,012,601 00 $2,863,563 42
93,676,429 00 1,132,936 27
$128,336,172 00 $1,730,627 15
5,329,302 00 65,005 45
$123,006,870 00 $1,665,621 70
284
NEW YORK FIRE INSURANCE CO.
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company,
Fire losses incurred during the year, ....
Cash dividends declared from organization of company,
Dividends declared during the year (8 per cent ), .
Company's stock owned by directors, ....
112,373,786 00
6,652,546 00
562,652 00
828,000 00
64,000 00
254,000 00
"NEW YORK FIRE INSURANCE COMPANY," NEW YORK, N. Y.
[Incorporated April 18, 1832. Commenced business Dec. 22, 1832.]
Paid-up Capital, $200,000.
AUGUSTUS COLSON, President. CHARLES A. HULL, Secretary,
Detailed Statement of Stocks and Bonds.
Par Value. Market Value.
United States bonds, $50,000 00 $51,250 00
Consolidated, stock (New York city), . . 100,000 00 95,000 00
Brooklyn city bonds, 50,000 00 50,000 00
Summary of Assets Dec
Cash value of unencumbered real estate,
Loans on mortgage of real estate (first liens*)
Interest due or accrued thereon,
Stocks and bonds, as per schedule, .
Cash in the office of the company, .
Cash deposited in bank, . .
Interest due and accrued, . . .
Premiums in course of collection (gross),
Rents due and accrued, ....
Gross assets, . . .
$200,000 00 $196,250 00
31, 1895.
$100,000 00
7,625 00
190 63
196,250 00
72 00
3,022 93
2,820 11
21,786 43
158 70
$331,925 80
Liabilities.
Losses adjusted, unpaid, .
Losses claimed and reported, .
Unearned premiums on outstanding risks,
Commissions and brokerage, .
All other liabilities, ....
Gross liabilities, except capital,
Surplus as regards policy-holders, .
Paid-up capital,
Surplus over capital, .
$1,368 29
520 00
59,070 13
2,614 37
220 59
66,793 38
$265,132 42
200,000 00
,132 42
* Value of lands mortgaged,
Value of buildings thereon, .
Amount of insurance held as collateral,
$7,000 00
16,500 00
13,000 00
NEW YORK FIRE INSURANCE CO.
285
Income.
Fire premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed, .
$14,621 22
138,220 03
Total,
Premiums now in course of collection,
$152,841 25
21,786 43
Entire premiums collected, .... $131,054 82
Less reinsurance and return premiums, . . 22,120 84
Ket cash fire premiums received, . . .
Interest received on mortgages,
Interest' and dividends received from all other sources, .
Income from rents, .........
$108,933 98
589 50
5,883 73
4,405 62
Gross cash income, . « $119,812 83
Expenditures.
Cash paid for fire losses, .....
Deduct salvage and reinsurance,
Net cash paid for fire losses, ....
Cash dividends paid,
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for incidentals, ....
Gross cash expenditures, ....
$53,959 64
111 69
$53,847 95
12,000 00
10,796 94
22,246 77
3,397 83
5,422 92
$107,712 41
Risks and Premiums.
Premiums.
Fire risks outstanding Dec. 81, 1894, . $10,083,967 00 $101,309 56
Fire risks written during 1895, . . 14,710,142 00 138,220 03
Total,. .....
Deduct risks expired and terminated,
In force at end of year, .
$24,794,109 00 $239,529 59
12,227,831 00 121,389 33
$12,566,278 00 $118,140 26
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company,
Fire losses incurred during the year,
Cash dividends declared from organization of company
Dividends declared during the year (6 per cent.), .
Company's stock owned by directors, . ,
^5,326,449 00
2,419,351 00
56,236 00
1,442,000 00
12,000 00
66,500 00
286
NIAGARA FIRE INSURANCE CO.
"NIAGARA FIRE INSURANCE COMPANY," NEW YORK, N. Y.
[Incorporated July, 1850. Commenced business August, 1850.]
PAro-up Capital, $500,000.
THOMAS F. GOODRICH, President. GEORGE C. HOWE, Secretary.
Detailed Statement of Stocks
United States bonds,
New York City school bonds, .
New York City water bonds, .
County of Essex, N. J., park bonds,
Chicago, Milwaukee & St. Paul R'y bonds,
Morris & Essex Railway bonds,
Lake Erie & Western Railway bonds,
New York Elevated Railway bonds,
Albany & Susquehanna Railway bonds, .
Town of Lake (111.) Gas Company bonds,
Equit. Gas Light Company of Chicago bonds
James River Railway bonds, .
Jersey City bonds, . ...
Chateaugay Ore and Iron Company bonds,
St. Paul (Minn.) Gas Light Company bonds,
Ann Arbor Railway Company bonds,
350 shares American Exchange Nl B'k, N. Y.
50
200
200
134
800
20
90
Western National Bank, N. Y ,
Chic, Milwaukee & St. Paul R'y,
Chicago & Northwestern Railroad
Delaware & Hudson Canal Co.,
Long Island Railway Co.,
Ann Arbor Railway Co., .
New York, Lacka. & Western R'y,
and Bonds.
Par Value.
$85,000 00
200,000 00
60,000 00
20,000 00
25,000 00
21,000 00
20,000 00
20,000 00
23,000 00
20,000 00
25,000 00
25,000 00
10,000 00
25,000 00
15,000 00
10,000 00
35,000 00
5,000 00
20,000 00
20,000 00
13,400 00
40,000 00
2,000 00
9,000 00
Market Value.
$93,000 00
204,000 00
61,200 00
20,600 00
29,500 00
29,610 00
23,000 00
21,700 00
29,300 00
21,000 00
25,000 00
12,500 00
11,200 00
16,250 00
16,500 00
6,800 00
59,500 00
5,700 00
25,400 00
19,900 00
16,750 00
33,600 00
500 00
10,800 00
$748,400 00 $793,310 00
Summary of Assets Dec. 31, 1895.
Cash value of unencumbered real estate, . $985,500 00
Loans on mortgage of real estate (first liens*), 25,150 00
Interest due or accrued thereon, . . . 680 00
Stocks and bonds, as per schedule, . . . 793,310 00
Cash in the office of the company, . . . 21,747 63
Cash deposited in bank, 134,922 98
Interest due and accrued, ..... 2,476 45
Premiums in course of collection (gross), . 191,047 31
Notes taken for marine and inland risks, . 1,685 00
* Value of lands mortgaged, . . .
Value of buildings thereon, .
Amount of insurance held as collateral,
$29,800 00
44.600 00
S2,400 00
NIAGARA FIRE INSURANCE CO.
287
Rents clue and accrued, ....
Reinsurance,
Gross assets,*
Deduct special deposits in other States, .
Balance, ... . .
$5,217 85
28,142 49
$2,189,879 71
55,000 00
$2,131,879 71
Liabilities.
Losses adjusted and reported, .
Less reinsurance,
Net amount of unpaid losses, .
Unearned premiums on outstanding risks,
Dividends to stockholders unpaid, .
Commissions and brokerage, ...
Reinsurance,
Reinsurance disallowed, ....
Gross liabilities, except capital,
Surplus as regards policy-holders, .
Paid-up capital,
Surplus over capital, ....
$221,686 19
50,162 34
$171,523 85
1,175,813 62
258 50
30,567 56
9,603 66
92,939 00
1,480,706 19
$654,173 52
500,000 00
$151,173 52
Income.
Fire premiums outstanding Dec. 31, 1894,
Same not collected, . . . .
Net collected, . . , . . .
Premiums on risks written or renewed, .
Total,
Premiums now in course of collection,
Entire premiums collected,
Less reinsurance and return premiums, .
Net cash fire premiums received,
Marine premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed, .
Total,
Less reinsurance and return premiums, .
Net cash marine premiums received,
Interest received on mortgages,
Interest and dividends received from all other
Income from rents, . . .
Gross cash income, ....
$314,118 05
1,628 64
$312,489 41
2,059,394 83
$2,371,884
191,047
24
31
$2,180,836
525,220
93
90
$5,164 93
8,693 75
$13,858 68
13,089 65
$1,655,616 03
sources,
769 03
1,415 00
32,148 56
20,984 44
,710,933 06
* Including $250,000 special reserve fund held under New York law.
288
NIAGARA FIRE INSURANCE CO.
Expenditures
Cash paid for fire losses, .
Deduct salvage and reinsurance,
Net cash paid for fire losses, .
Cash paid for marine and inland losses,
Deduct salvage and reinsurance,
Net cash paid for marine and inland losses,
Cash dividends paid, ....
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes, .
for incidentals,
Gross cash expenditures, .
$856,628 34
74,912 90
- f56,317 16
18,306 38
$781,715 44
38,010 78
50,142 50
284,694 71
148,839 56
34,670 74
118,528 75
$1,456,602 48
$452,514,594 00 |4,560,491 19
172,936,936 00 1,914,064 09
f279,577,658 00 $2,646,427 10
40,514,358 00 435,075 99
Risks and Premiums.
Premiums.
Fire risks outstanding Dec. 31, 1894, . $251,959,125 00 $2,501,096 36
Fire risks written during 1895, . . 200,555,469 00 2,059,394 83
Total,. . ' .
Deduct risks expired and terminated,
In force at end of year, .
Deduct amount reinsured,
Net amount in force, .
Marine risks outstanding Dec. 31, 1894,
Marine risks written during 1895, .
Total,
Deduct risks expired and terminated,
In force at end of year,
Deduct amount reinsured,
$239,063,300 00 $2,211,351 11
$1,678,304 00
314,775 00
$1,993,079 00
675,972 00
$1,317,107 00
1,317,107 00
,710 58
8,693 75
,404 33
18,274 10
$41,130 23
41,130 23
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company,
Fire losses incurred during the year,
Inland losses incurred during the year, .
Cash dividends declared from organization of company
Dividends declared during the year (10 per cent.),
Company's stock owned by directors,
$36,603,955 00
20,262,413 00
767,466 00
28,156 00
2,384,000 00
50,000 00
114,850 00
NORTHWESTERN NATIONAL INSURANCE CO.
289
"NORTHWESTERN NATIONAL INSURANCE COMPANY OF
MILWAUKEE, WISCONSIN," MILWAUKEE, WIS.
[Incorporated Feb. 20, 1869. Commenced business July 1, 1869.]
Paid-up Capital, $600,000.
ALFRED JAME3, President. WILFORD M. PATTON, Secretary.
Detailed Statement of Stocks and Bonds.
Par Value. Market Value.
United States bonds, $200,000 00 $220,000 00
Chicago, Milwaukee & St. Paul R.R. bonds, . 200,000 00 242,000 00
Milwaukee, L. S. & Western R.R. bonds, . 50,000 00 62,500 00
Milwaukee & Northern Railroad bonds, . . 50,000 00 57,500 00
Chicago & Northwestern Railroad bonds, . 100,000 00 122,000 00
Milwaukee city bonds, 90,000 00 90,150 00
Chicago Sanitary District bonds, . . . 50,000 00 52,500 00
Waukesha sewerage bonds, .... 30,000 00 31,500 00
Chicago, Burlington & Quincy R.R. bonds, . 50,000 00 59,500 00
Western Adjustment & Inspec. Co. stock, . 300 00 375 00
$820,300 00 $938,025 00
Summary of Assets Dec. 31, 1895.
Loans on mortgage of real estate (first liens*), $773,856 67
Interest due or accrued thereon,
Stocks and bonds, as per schedule,
Cash in the office of the company,
Cash deposited in bank, .
Interest due and accrued, .
Premiums in course of collection (gross)
Gross assets, ....
6,976 02
938,025 00
2,193 78
142,122 03
2,658 33
91,020 18
$1,956,852 01
Liabilities.
Losses adjusted, unpaid, $41,910 52
claimed and reported, .... 8,288 47
disputed or resisted, .... 8,500 00
Total amount of losses, . . . . - . $58,698 99
Less reinsurance, 5,103 89
Net amount of unpaid losses, .... $53,595 10
Unearned premiums on outstanding risks, . 770,913 45
Commissions and brokerage, .... 22,755 04
* Value of lands mortgaged, .
Value of buildings tbereon,
Amount of insurance beld as collateral,
$1,670,980 00
1,297,817 00
659,100 00
290
NORTHWESTERN NATIONAL INSURANCE CO.
Reinsurance, etc., ....
Reinsurance disallowed, .
Gross liabilities, except capital,
Surplus as regards policy-holders, .
Paid-up capital, .
Surplus over capital, .
$4,906 00
39 49
$852,209 08
....
$1,104,642 93
600,000 00
■ . ■ . •
$504,642 93
Income.
Fire premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed, .
Total,
Premiums now in course of collection, .
Entire premiums collected,
Less reinsurance and return premiums, .
Net cash fire premiums received,
Interest received on mortgages,
Interest and dividends received from all other
5,175 60
907,986 06
,014,161 66
91,020 18
$923,141 48
153,746 08
sources,
$769,395 40
44,605 12
44,095 00
Gross cash income, . $858,095 52
Expenditures.
Cash paid for fire losses,
Deduct salvage and reinsurance,
Net cash paid for fire losses, ....
Cash dividends paid, .....
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes, .
for incidentals,
Gross cash expenditures, ....
$384,369 13
34,124 92
$350,244 21
72,000 00
174,111 21
84,055 88
16,947 02
46,359 50
$743,717 82
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895, .
Risks and Premiums.
Premiums.
$122,318,920 00 $1,417,760 71
74,056,309 00 907,986 06
Total,. . . . . .
Deduct risks expired and terminated,
In force at end of year, .
Deduct amount reinsured,
Net amount in force, .
$196,375,229 00 $2,325,746 77
60,398,575 00 803,817 40
$135,976,654 00 $1,521,929 37
7,221,079 00 76,100 04
$128,755,575 00 $1,445,829 33
NORWALK FIRE INSURANCE CO.
291
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company, .
Fire and tornado losses incurred during the year, .
Cash dividends declared from organization of company
Dividends declared during the year (12 per cent.), .
Company's stock owned by directors,
'12,186,249 00
0,375,812 00
356,903 00
1,203,000 00
72,000 00
227,000 00
" NORWALK FIRE INSURANCE COMPANY," NORWALK, CONN".
[Incorporated 1860. Commenced business May, I860.]
Paid-up Capital, $200,000.
ARCHIBALD G-. McILWAINE, Jr., President. FERRIS E. SHAW, Secretary.
Detailed Statement of Stocks and Bonds.
8 shares Fairfield County National Bank,
18 " National Bank, Norwalk, Conn.,
15 " Central National Bank, Norwalk, .
15 " German-American Bank, N. Y.,
40 " Fourth National Bank, N. Y., .
23 " Norwalk Gas Light Co., .
30 " Lake Shore & Michigan South. R.R,,
50 " N. Y., Lackawanna & Western R.R.,
33 " Chic , Rock Island & Pacific R.R., .
65 " Chic , Milwaukee & St. Paul R.R., .
25 " Chic, Burlington & Quincy R.R.,
Toledo, Ann Arbor & Grand Trunk R.R, bd's,
Milwaukee, Lake Shore & Western R.R bd's,
Chicago & Erie Railroad bonds,
New York, Susquehanna & Western R.R. b'ds,
Lehigh Valley Terminal bonds,
Philadelphia & Reading Terminal bonds,
Chesapeake & Ohio R.R. bonds,
New York, Ontario & Western R.R. bonds,
Chicago, Burlington & Quincy R.R. bonds,
West Shore Railroad bonds,
Central Ohio bonds, .
United States bonds,
South Norwalk, Conn , bonds,
Norwalk, Conn., bonds, .
New Britain, Conn., bonds,
Willimantic, Conn., bonds,
New London, Conn., bonds,
Par Value.
$800 00
1,800 00
1,500 00
1,125 00
4,000 00
575 00
3,000 00
5,000 00
3,300 00
6,500 00
2,500 00
3,000 00
3,000 00
10,000 00
3,000 00
12,000 00
10,000 00
7,500 00
8,000 00
5,000 00
20,000 00
9,000 00
90,000 00
25,000 CO
25,030 00
25,000 00
20,000 00
5,000 00
Market Value.
|400 00
1,800 00
1,500 00
1,293 75
7,000 00
690 00
4,200 00
5,937 50
2,178 00
5,882 50
1,900 00
2,700 00
3,960 00
10,800 00
3,075 00
13,560 00
10,500 00
7,950 00
8,720 00
6,000 00
21,300 00
9,765 00
93,300 00
27,187 50
28,156 25
26,468 75
21,050 00
5,385 00
|310,600 00 $332,659 25
292
NORWALK FIRE INSURANCE CO.
Summary of Assets Dec
Stocks and bonds, as per schedule, .
Cash in the office of the company, .
Cash deposited in bank, ....
Premiums in course of collection (gross),
Reinsurance,
Gross assets,
31, 1895.
$332,659 25
81 00
25,367 48
21,375 42
11 50
$379,494 65
Liabilities.
Losses adjusted, unpaid, .
claimed and reported, .
disputed or resisted,
Total amount of losses,
Less reinsurance,
Net amount of unpaid losses, .
Unearned premiums on outstanding risks,
Due and accrued for rent, salaries, etc., .
Commissions and brokerage, .
Reinsurance,
Gross liabilities, except capital,
Surplus as regards policy-holders, .
Paid-up capital,
Surplus over capital, .
$3,796 00
4,031 10
1,000 00
$8,827 10
2,522 00
$6,305 10
31,044 43
798 53
4,720 37
744 82
43,613 25
$335,881 40
200,000 00
$135,881 40
Income.
Fire premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed, .
Total,
Premiums now in course of collection, .
Entire premiums collected, . . ,
Less reinsurance and return premiums, .
Net cash fire premiums received,
Interest and dividends received from all sources,
Income from sale of additional stock,
Received for increased capital,
$8,078 81
59,346 83
$67,425 64
21,375 42
$46,050 22
9,471 73
$100,000 00
150,000 00
$36,578 49
4,224 23
Gross cash income, $40,802 72
Expenditures.
Cash paid for fire losses, ....
Deduct salvage and reinsurance,
Net cash paid for fire losses, ,
Cash dividends paid,
Cash paid for commissions and brokerage,
$20,062 42
2,249 70
$17,812 72
2,567 50
8,394 89
NORWOOD INSURANCE CO.
293
Cash paid for salaries of officers and employees,
for State and local taxes,
for incidentals, ....
Gross cash expenditures, ....
Risks and Premiums.
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
Total,
Deduct risks expired and terminated,
In force at end of year, .
Deduct amount reinsured,
Net amount in force,
•
00
00
$2,481 48
194 80
1,266 42
5,440,737
6,270,456
$32,717 81
Premiums.
$44,950 00
59,346 83
$11,711,193 00
4,131,630 00
$104,296 83
37,114 37
$7,579,563 00
739,177 00
,182 46
7,353 78
1,840,386 00 $59,828 68
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company, .
Fire losses incurred during the year, ....
Cash dividends declared from organization of company,
Dividends declared during the year, .
Company's stock owned by directors, ....
$481,476 00
195,367 00
18,818 00
116,290 00
2,567 00
2,700 00
"NORWOOD INSURANCE COMPANY OF NEW YORK," NEW
YORK, N. Y.
[Incorporated Sept. 20, 1895. Commenced business Sept. 21, 1895.]
Paid-up Capital, $200,000.
GEORGE S. PORTER, President. ANDREW J. ARMSTRONG, Secretary.
Detailed Statement of Stocks and Bonds.
Par Value.
United States bonds, ..... $50,000 00
New York City bonds, . . . . . 75,000 00
Brooklyn city bonds, . . . . ' . 100,000 00
Duluth & Iron Range R.R. bonds, . . . 15,000 00
Chicago & Indiana Coal R.R. bonds, . . 10,000 00
Market Value.
$56,031 25
73,601 89
105,033 04
15,375 00
10,300 00
$250,000 00 $260,341 18
Summary of Assets Dec. 31, 1895.
Stocks and bonds, as per schedule, . . . $260,341 18
Cash in the office of the company, . . . 2,181 03
Cash deposited in bank, 65,473 82
Interest due and accrued, . . . . . 541 66
Premiums in course of collection (gross), . 124,247 02
Gross assets, . . , . L .
$452,784 71
294
NORWOOD INSURANCE CO.
Liabilities.
Losses adjusted, unpaid, .
Losses claimed and reported, .
Unearned premiums on outstanding risks
Due and accrued for rent, salaries, etc.,
Commissions and brokerage, .
Return premiums, ....
Reinsurance,
Reinsurance disallowed, .
Gross liabilities, except capital,
Surplus as regards policy-holders, .
Paid-up capital,
Surplus over capital,
$261 50
24,440 48
114,516 13
1,933 35
20,623 26
6,521 16
10,061 39
35 00
$178,392 27
$274,392 44
200,000 00
$74,392 44
Income.
Premiums on risks written or renewed, . . $253,051 19
Premiums now in course of collection, . . 124,247 02
Entire premiums collected, .... $128,804 17
Less reinsurance and return premiums, . . 5,476 95
Net cash fire premiums received, . . .
Cash marine premiums received,
Interest and dividends received from all sources, .
Received for surplus fund, . . . . $50,000 00
Gross cash income,
$123,327 22
1,649 09
358 30
$125,334 61
Expenditures.
Cash paid for fire losses,
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for rent and incidentals, .
Gross cash expenditures, ....
$6,870 66
22,349 37
7,318 17
881 67
9,889 94
$47,309 81
Risks and Premiums.
Fire risks written during 1895,
Deduct risks expired and terminated,
In force at end of year, .
Deduct amount reinsured,
Net amount in force, .
Marine risks written during 1895,
Net amount in force, . .
Premiums.
,744,253 00 $253,051 19
3,407,544 00 27,053 56
$20,336,709 00 $225,997 63
134,103 00 801 66
$20,202,606 00 $225,195 97
$107,557 00
107,557 00
$1,649 09
1,649 09
ORIENT INSURANCE CO.
205
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company, .
Fire losses incurred during the year,
Company's stock owned by directors,
|121,976 00
6,871 00
31,573 00
155,125 00
"ORIENT INSURANCE COMPANY," HARTFORD, CONN.
[Incorporated June, 1867. Commenced business January, 1872.]
Paid-up Capital, $500,000.
CHARLES B. WHITING, President. JAMES U. TAINTOR, Secretary.
Detailed Statement of Stocks and Bonds.
Par Value. Market Value.
504 shares American Natl Bank, Hartford, . $25,200 00 $35,280 00
122 " ^tna National Bank, Hartford, . 12,200 00 17,690 00
130 " Charter Oak Natl Bank, Hartford, 13,000 00 11,960 00
101: " Farm. & Mech. Nl B'k, Hartford, 10,400 00 11,856 00
152 " Mercantile Natl Bank, Hartford, 15,200 00 12,160 00
74 " Phoenix National Bank, Hartford, 7,400 00 8,510 00
186 " Exchange Natl Bank, Hartford, . 9,300 00 12,090 00
113 " City National Bank, Hartford, . 11,300 00 11,865 00
71 " First National Bank, Hartford, . 7,100 00 7,952 00
1,000 " Hartford Natl Bank, Hartford, . 100,000 00 115,000 00
100 " Conn. Trust &S.D. Co. stock, Hart-., 10,000 00 17,000 00
200 " Thames National Bank, Norwich, 20,000 00 30,000 00
80 " First National Bank, Norwich, . 8,000 00 8,400 00
6 " Rockville Natl Bank, Rockville, . 600 00 660 00
75 " Metropolitan Natl B'k, New York, 7,500 00 450 00
302 " Mechanics Natl Bank, New York, 7,550 00 14,345 00
50 " Holland Trust Co., New York, . 5,000 00 5,000 00
25 " Natl Ger. Am B'k, St. Paul, Minn., 2,500 00 2,000 00
804 " N. Y., N. Haven & Hartford R.R , 80,400 00 146,328 00
404 " Pennsylvania Railroad,. . . 20,200 00 21,008 00
220 " N. Y., Chicago & Hartford R.R., . 22,000 00 21,560 00
50 " Union Pacific Railroad, . . 5,000 00 212 50
100 " Central Pacific Railroad, . . 10,000 00 1,600 00
400 " Cleveland & Pittsburgh R.R. Co , 20,000 00 33,200 00
220 " C, B. & Quincy Railroad, . ' . 22,000 00 16,665 00
200 " Illinois Central Railroad, . . 20,000 00 18,800 00
100 " Chicago, Rock Island & Pac. R.R , 10,000 00 6,675 00
170 " Southern Railway Company, . ' 17,000 00 4,653 75
100 " Chicago & Northwestern Railroad, 10,000 00 14,600 00
100 " Delaware & Hudson Canal Co., . 10,000 00 12,400 00
200 " Northwestern Telegraph Co., . 10,000 00 11,650 00
Georgia State bonds, 25,000 00 29,250 00
County of Coffey, Kan., bonds, . . . . 10,000 00 10,900 00
296
ORIENT INSURANCE CO.
County of Dickinson, Kan., bonds, .
County of Finney, Kan., bonds,
County of Kidder, Dakota, bonds, .
County of Wichita, Kan., bonds,
County of Pierre, Washington, bonds,
County of Glynn, Ga., bonds, .
City of Indianapolis, Ind., bonds,
City of Evansville, Ind , bonds,
City of New Brunswick, N. J., bonds,
City of Council Bluffs, Iowa, bonds,
City of Richmond, Va., bonds, .
City of Norfolk, Va., bonds,
City of Sioux Falls, Dakota, bonds, .
City of Wichita Falls, Tex., bonds, .
City of Fort Worth, Tex., bonds, .
Town of Thorn aston, Conn., bonds, .
Medicine Lodge Township, Kan., bonds, .
Bethany Township, Kan., bonds,
Oswego Township, Kan., bonds,
Precinct of Stanton, Neb., bonds,
Precinct of Beaver, Neb., bonds,
Vermont Valley R.R. Co. bonds,
Pittsburgh, Cleveland & Toledo R.R. bonds,
Kansas Pacific R.R. bonds,
C, C, Cincinnati & Indianapolis R.R. bonds,
Morris & Essex R.R. bonds,
Chicago, Mil. & St. Paul R.R. bonds,
Dayton & Michigan R.R. bonds,
Terre Haute & Logansport R R bonds, .
Chicago, Burlington & Northern R.R. bonds,
Ohio & West Virginia R.R. bonds, .
Columbus & Toledo R.R. bonds,
Cincinnati, Jackson & Mackinaw R.R. bonds,
East Tenn., Virginia & Georgia R.R. bonds,
Southern R.R. bonds, ....
Detroit, Lansing & Northern R.R. bonds,
Louisville, Cin. & Lexington R.R. bonds,
Hartford Street Railway bonds,
Anderson, Ind , Electric St. R'y Co. bonds,
Philadelphia & Reading R.R. Co. bonds, .
Indiana & Lake Michigan R.R. bonds,
Atchison, Topeka & Santa Fe R.R. bonds,
Chicago, Burlington & Quincy R.R. bonds,
N. Y., N. H. & H. R.R. bonds, .
Norfolk & Western R.R. bonds,
Valley R.R. bonds,
Baltimore Belt R.R. bonds,
Cincinnati, Dayton & Ironton R.R. bonds,
Par Value.
$10,000 00
10,000 00
5,000 00
4,000 00
10,000 00
10,000 00
20,000 00
20,000 00
10,000 00
5,000 00
24,000 00
20,000 00
13,000 00
10,000 00
10,000 00
15,000 00
5,000 00
4,000 00
5,000 00
8,000 00
5,000 00
25,000 00
10,000 00
10,000 00
35,000 00
10,000 00
20,000 00
25,000 00
14,000 00
1,500 00
3,000 00
13,000 00
12,000 00
15,000 00
6,000 00
10,000 00
10,000 00
40,000 00
10,000 00
10,000 00
20,000 00
20,000 00
5,100 00
32,200 00
10,000 00
20,000 00
20,000 00
10,000 00
Market Value.
$11,000 00
11,000 00
5,500 00
4,400 00
10,800 00
10,000 00
20,800 00
19,000 00
10,700 00
5,500 00
30,720 00
21,200 00
14,560 00
11,000 00
10,500 00
15,750 00
5,000 00
4,320 00
5,100 00
8,720 00
5,450 00
28,250 00
11,600 00
7,300 00
45,100 00
14,300 00
25,700 00
27,000 00
15,680 00
1,575 00
3,600 00
15,340 00
6,240 00
15,900 00
5,700 00
7,500 00
10,400 00
41,200 00
10,200 00
10,525 00
21,200 00
9,850 00
5,582 00
43,792 00
6,700 00
13,000 00
21,200 00
10,800 00
ORIENT INSURANCE CO.
297
Kanawha & Michigan R.R. bonds, .
Chicago, Rock Island & Pacific R.R. bonds,
Brooklyn Wharf & Warehouse Co. bonds,
Territory of Arizona funding bonds,
Iowa Mortgage Co. trust debenture notes,
Mason and Tazewell District, 111., bonds
Rutland and Grafton District, 111., bonds
First Baptist Church, Nashville, Tenn., bonds
Kansas School bonds,
Nebraska School bonds. .
Dakota School bonds,
Minnesota School bonds, .
Wyoming Territory School bonds,
Colorado School bonds,
Texas School bonds, .
"Washington School bonds,
Arizona Improvement Co. bonds,
Securities held as collateral for cash loans : -
4 shares iEtna Fire Insurance Co., Hartford,
2 " iEtna Fire Insurance Co., Hartford,
15 " American National Bank, Hartford,
5 " Charter Oak Nat'l B'k, Hartford, .
3 " First National Bank, Hartford,
35 " Conn Gen. Life Ins. Co., Hartford,
24 " Adams Express Company,
Par Value.
$25,000 00
10,000 00
25,000 00
25,000 00
2,000 00
15,000 00
2,000 00
9,000 00
21,697 00
15,270 07
9,500 00
6,000 00
3,000 00
8,000 00
15,000 00
10,000 00
10,000 00
Market Value.
$20,750 00
10,450 00
25,875 00
26,000 00
2,000 00
15,900 00
2,000 00
9,000 00
23,478 82
16,717 07
10,780 00
6,180 00
3,450 00
8,800 00
15,900 00
10,700 00
10,200 00
,415,117 07 $1,596,155 14
Market Value. Loaned Thereon.
$1,000 00
500 00 >|
975 00
525 00 i
300 00 ^
4,725 00
3,480 00
$700 00
1,880 00
3,000 00
1,350 00
$11,505 00
1,930 00
Summary of Assets Dec. 31, 1895.
Cash value of unencumbered real estate,
Loans on mortgage of real estate (first liens*),
Interest due or accrued thereon,
Stocks and bonds, as per schedule, .
Loans on collateral security, as per schedule,
Cash in the office of the company, .
Cash deposited in bank, ....
Interest due and accrued, .
Premiums in course of collection (gross),
Rents due and accrued, ....
Gross assets,
Deduct special deposits in other States, .
Balance,
$48,219 86
193,414 30
2,834 44
1,596,155 14
6,930 00
5,264 87
113,496 31
9,644 10
265,511 96
732 47
$2,242,203 45
131,170 00
$2,111,033 45
* Total value of property mortgaged,
Amount of insurance held as collateral,
$618,620 00
124,000 00
298
ORIENT INSURANCE CO.
Liabilities.
Losses adjusted and reported, .
Losses disputed or resisted,
Unearned premiums on outstanding risks,
Commissions and brokerage, .
Reinsurance disallowed, ....
Gross liabilities, except capital,
Deduct liability on special deposits,
Surplus as regards policy-holders, .
Paid-up capital, . . .
Surplus over capital, .
$161,811 74
28,455 57
992,691 43
45,406 31
7,749 15
$1,236,114 20
46,731 67
1,189,382 53
$921,650 92
500,000 00
$421,650 92
Income.
Fire premiums outstanding Dec. 31, 1894,
Same not collected,
Net collected,
Premiums on risks written or renewed, .
Total,
Premiums now in course of collection,
Entire premiums collected,
Less reinsurance and return premiums, .
Net cash fire premiums received,
Marine premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed, .
Total,
Premiums now in course of collection, .
Entire premiums collected,
Less reinsurance and return premiums, .
Net cash marine premiums received,
Interest received on mortgages,
Interest and dividends received from all other
Income from rents,
Gross cash income,
Expenditures
Cash paid for fire losses, ....
Deduct salvage and reinsurance,
Net cash paid for fire losses, .
Cash paid for marine and inland losses, .
Deduct salvage and reinsurance,
Net cash paid for marine and inland losses,
Cash dividends paid, ....
$237,468 31
2,353 67
$235,114 64
1,828,029 76
^2,063,144 40
260,421 21
51,802,723 19
416,107 01
$7,224 89
87,593 08
$94,817 97
5,090 75
$1,386,616 18
,727 22
12,590 40
sources,
77,136 82
10,552 27
74,136 25
1,016 41
.,549,457 93
$820,017 30
79,780 92
,336 83
3,713 52
$740,236 38
84,623 31
40,000 00
PACIFIC FIRE INSURANCE CO.
299
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for incidentals, ....
Gross cash expenditures, ....
Risks and Premiums.
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
Total,
Deduct risks expired and terminated,
In force at end of year,
Deduct amount reinsured,
Net amount in force, .
Marine risks outstanding Dec. 31, 1894,
Marine risks written during 1895, .
Total,. . . .
Deduct risks expired and terminated,
In force at end of year, .
$144,369,262
136,538,529
$282,384 5G
104,828 10
29,751 56
78,203 58
fl,360,027 49
Premiums.
00 $1,771,325 73
00 1,828,029 76
$280,907,791
126,035,568
00 $3,599,355 49
00 1,699,923 37
$154,872,223
2,241,695
00 $1,899,432 12
00 18,058 26
$152,630,528 00 $1,881,373 86
$1,197,600
7,661,329
00 $40,886 70
00 87,593 08
£8,858,929
7,029,070
00 $128,479 78
00 71,105 75
$1,829,859 00
.7,374 03
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company,
Fire losses incurred during the year,
Marine and inland losses incurred during the year,
Cash dividends declared from organization of company
Dividends declared during the year (8 per cent.), .
Company's stock owned by directors,
$15,601,160 00
9,685,993 00
743,845 00
79,626 00
1,025,000 00
40,000 00
72,950 00
"PACIFIC FIRE INSURANCE COMPANY," NEW YORK, N, Y.
[Incorporated April 16, 1851. Commenced business April 29, 1851.]
Paid-up Capital, $200,000.
FRANK T. STIN80N, President.
GEORGE JEREMIAH, Secretary.
Detailed Statement op Stocks and Bonds.
Par Value.
United States bonds, $138,000 00
New York City bonds, 175,000 00
Broadway & Seventh Avenue Railroad bonds, 10,000 00
New York Central & Hudson River R.R. stock, 22,000 00
Rome, Watertown & Ogdensburg R.R. stock, . 15,000 00
Brooklyn city bond, f 10,000 00
Market Value.
$150,705 00
176,750 00
10,800 00
21,340 00
17,925 00
10,241 00
$370,000 00 f387,761 00
300
PACIFIC FIRE INSURANCE CO.
Summary of Assets Dec. 31, 1895.
Loans on mortgage of real estate (first liens*), $260,500 00
Interest due or accrued thereon, . . . 2,078 63
Stocks and bonds, as per schedule, . . . 387,761 00
Cash in the office of the company, . . . 3,621 17
Cash deposited in bank, 21,190 77
Interest due and accrued, ..... 3,433 25
Premiums in course of collection (gross), . 57,211 91
Reinsurance, 267 01
Premiums more than three mos. due, $1,569 85
Gross assets, . — $736,063 74
Liabilities.
Losses adjusted, unpaid, ....
claimed and reported, .
disputed or resisted, .
Total amount of losses, ....
Less reinsurance,
Net amount of unpaid losses, . .
Unearned premiums on outstanding risks,
Due and accrued for rent, salaries, etc., .
Commissions and brokerage, .
Return premiums,
Reinsurance, ......
Reinsurance disallowed, ....
Gross liabilities, except capital,
Surplus as regards policy-holders, .
Paid-up capital,
Surplus over capital,
Income.
Fire premiums outstanding Dec. 31, 1894,
Same not collected,
Net collected, . . .
Premiums on risks written or renewed, .
Total,
Premiums now in course of collection, .
Entire premiums collected,
Less reinsurance and return premiums, .
Net cash fire premiums received,
Interest received on mortgages,
Interest and dividends received from all other sources,
Gross cash income, $388,500 09
,470 33
35,282 98
6,980 33
$60,733 64
4,326 54
$56,407 10
263,967 03
610 00
13,718 77
4,576 95
3,000 73
14,032 48
356,313 06
$379,750 68
200,000 00
$179,750 68
$58,391 55
875 87
$57,515 68
491,243 31
$548,758 99
58,781 76
,977 23
127,568 73
$362,408 50
12,231 59
13,860 00
* Value of lands mortgaged,
Value of buildings thereon,
Amount of insurance held as collateral,
$193,000 00
302,000 00
268,000 00
PENNSYLVANIA FIRE INSURANCE CO.
301
Expenditures.
Cash paid for fire losses, ....
Deduct salvage and reinsurance,
Net cash paid for fire losses, .
Cash dividends paid, ....
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes, .
for rent and incidentals, .
Gross cash expenditures, .
$214,317 36
14,052 15
$200,205 21
20,000 00
77,326 77
33,669 88
9,116 48
27,783 80
$368,162 14
Risks and Premiums.
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
Total,
Deduct risks expired and terminated,
In force at end of year, .
Deduct amount reinsured,
Net amount in force, .
. $60,193,928 00
. 45,126,228 00
Premiums.
$590,492 75
491,243 31
$105,320,156 00 $1,081,736 06
47,219,217 00 510,782 50
,100,939 00 $570,953 56
4,772,840 00 41,355 60
.$53,328,099 00 $529,597 96
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company, .
Fire losses incurred during the year, ....
Cash dividends declared from organization of company,
Dividends declared during the year (10 per cent.),
Company's stock owned by directors, .
$7,502,602 00
3,984,817 00
221,174 00
1,398,000 00
20,000 00
38,250 00
"PENNSYLVANIA FIRE INSURANCE COMPANY,"
PHILADELPHIA, PA.
[Incorporated March, 1825. Commenced business April, 1825.]
Paid-up Capital, $400,000.
R. DALE BENSON, President. W. GARDNER CROWELL, Secretary.
Detailed Statement of Stocks and Bonds.
Par Value. Market Value.
United States bonds, $45,000 00 $50,400 00
Philadelphia city bonds, . . . . 19,000 00 21,370 00
Phila., Wil. & Baltimore Railroad certificates, 115,000 00 119,450 00
Philadelphia & Erie Railroad bonds, . . 75,000 00 88,500 00
Pennsylvania Railroad bonds, .... 99,000 00 116,110 00
Easton & Amboy Railroad bonds, . . . 50,000 00 54,500 00
302
PENNSYLVANIA FIRE INSURANCE CO.
Philadelphia & Reading Railroad, .
Lehigh Valley Railroad Company, .
Elmira & Williamsport Railroad, .
West Jersey Railroad Company,
Penn. & New York Canal and R.R. Co.,
Chicago & Western Indiana Railroad,
Chicago, Burlington & Quincy R.R. bonds,
Jacksonville, Louisville & St. Louis R.R. Co.,
Jacksonville Southeastern Railway Co., .
Shamokin, Sunbury & Lewisburg Railroad,
Corning, Cowanesque & Antrim Railroad,
Terre Haute & Logansport Railroad,
New York & Long Branch Railroad,
St. Paul & Northern Pacific Railroad,
Lehigh Valley Coal Company,
Pittsburgh, McKeesport & Yough. Railroad,
Pitts., Youngstown & Ashtabula R.R.,
Cleve., Col., Cin. & Indianapolis R.R.,
Grand Rapids & Indiana Railroad, .
New York, Lake Erie & Western Railroad,
New York, Susquehanna & Western Railroad
Knoxville Water Company bonds, .
Western Transit Company bonds, .
American Steamship Co. of Phila. bonds,
Lehigh Coal & Navigation Company bonds,
Chesapeake & Delaware Canal Co. bonds,
Delaware Division Canal Company,
Car Trust of New York bonds,
Huntingdon & Broad Top Car Trust,
Huntingdon County, Ind , bonds,
Lake Shore & Michigan Southern R 1 y bonds,
Lehigh Coal & Navigation Company bonds,
Buffalo & Susquehanna R.R. Co. bonds,
Baltimore & Ohio Railroad Company,
Indiana & Vincennes Railroad Company
Chicago & Erie Railroad Company,
City of Quincy, 111., bonds,
City of Sandusky, Ohio, bonds,
St. Louis city bonds, .
Cincinnati city bonds,
City of Springfield, 111., bonds,
City of Topeka, Kan., bonds, .
City of Dayton, O , bonds,
City of Columbus, O., bonds, .
Kansas City, Kan., bonds, ,
Newark city bonds, . . .
Wabash Railroad Company bonds,
Pittsburgh Junction Terminal Company,
Par Value.
$308,500 00
183,000 00
25,000 00
10,000 00
124,000 00
116,000 00
50,000 00
32,000 00
11,000 00
20,000 00
4,000 00
50,000 00
25,000 00
50,000 00
50,000 00
20,000 00
25,000 00
30,000 00
21,000 00
23,000 00
60,000 00
15,000 00
50,000 00
15,000 00
20,000 00
10,000 00
25,000 00
7,000 00
37,000 00
5,000 00
50,000 00
50,000 00
50,000 00
10,000 00
18,000 00
50,000 00
25,000 00
19,000 00
25,000 00
48,000 00
35,000 00
26,944 00
52,000 00
36,000 00
9,000 00
10,000 00
20,000 00
25,000 00
Market Value.
1308,245 00
211,650 00
29,750 00
11,100 00
128,020 00
133,120 00
60,000 00
12,800 00
8,250 00
20,400 00
4,120 00
53,000 00
27,500 00
62,000 00
51,000 00
24,000 00
25,625 00
37,500 00
5,250 00
25,300 00
62,000 00
15,000 00
51,500 00
15,450 00
20,800 00
5,200 00
23,750 00
7,000 00
37,000 00
5,000 00
60,000 00
51,750 00
49,750 00
11,800 00
19,080 00
55,250 00
26,000 00
19,570 00
29,500 00
59,120 00
37,800 00
26,944 00
57,535 00
37,080 00
9,000 00
10,200 00
15,000 00
25,500 00
PENNSYLVANIA FIRE INSURANCE CO.
303
Newburgh & New York Railroad bonds,
Northern Central Railroad Company bonds,
Baltimore & Ohio Railroad bonds, .
Baltimore Belt Railroad bonds,
W. Knoxville Genl Improvement Co. bonds,
Atlantic City Railroad bonds, .
Camden Horse Railroad bonds,
City of Columbus, O., water works, .
Be) lefonte Central Railroad Co.,
Evansville & Terre Haute R.R.,
School Dist. of the Borough of Sewickley, Pa.
200 shares Philadelphia National Bank, .
Allegheny Valley Railroad Co.,
440 shares Bel lefonte Central Railroad Co.,
10 shares Philadelphia Bourse,
Tar Value.
$15,000 00
22,000 00
50,000 00
50,000 00
20,000 00
30,000 00
25,000 00
14,000 00
2,500 00
25,000 00
24,000 00
20,000 00
22,000 00
22,000 00
500 00
Market Value.
$15,000 00
25,960 00
56,500 00
50,000 00
21,000 00
30,900 00
25,000 00
14,280 00
2,500 00
25,000 00
25,200 00
38,000 00
22,880 00
11,000 00
380 00
$2,725,444 00 $2,896,139 00
Securities held as collateral for cash loans : —
Bank of North America,
German- American Insurance Co.
Manayunk National Bank, .
Manayunk National Bank, .
Northwestern National Bank,
Ninth National Bank, .
Moorestown National Bank,
Burl Co. Safe Dep. & Trust Co.,
Fire Ins. Co. of County of Phila.,
North Pennsylvania Railroad,
Lehigh Valley Railroad Co. stock
North Pennsylvania Railroad,
Delaware & Bound Brook R.R.,
Delaware & Bound Brook R.R.,
North Pennsylvania Railroad,
Philadelphia Traction Co., .
Penn. Co. for Ins. on Lives, etc.,
Penn. Fire Insurance Co.,
United Canal & R R. Co. of N. J.
Insurance Co. of North America
Germania Fire Insurance Co.,
First Nat'l B'k, Shippeneburg, Pa.
National Bank of Illinois, .
Lehigh Valley Railroad Co.,
United Gas Improvement Co.,
National Lead Co.,
Union Trust Co., .
Catawissa Railroad Company,
Lehigh Coal & Navigation Co.,
Commonw'lth Title Ins. & T. Co
Market Value. Loaned Thereon.
4 shares
15
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74
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425
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26
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$1,000 00
4,350 00
2,700 00
4,500 00
4,000 00
4,200 00 }
1,400 00
350 00
450 00 J
5,208 00
36,000 00
6,216 00 )
16,300 00 S
16,300 00
6,216 00
27,200 00
4,320 00 "i
1,550 00 J
948 00
1,430 00
4,550 00 j
2,880 00 )
4,840 00 S
25,200 00}
8,100 00 >
750 00 )
1,500 00^
1,960 00
$500 00
2,750 00
2,000 00
7,000 00
5,300 00
3,500 00
25,000 00
18,000 00
18,000 00
22,000 00
4,150 00
3,000 00
30,000 00
4,220 00
680 00 J
)■ 5,000 00
304
PENNSYLVANIA FIRE INSURANCE CO.
Market Value. Loaned Thereon.
Pitts., Cm. & St. Louis Railway Company,
N. Y. & Long Branch Railway Company,
Lehigh Coal and Navigation'Company, .
200 shares Lehigh Coal & Navigation Co.,
40 " Pennsylvania Railroad Company,
60 " No. Pennsylvania Railroad Co.,
Boston United Gas bonds,
Bellei'onte Central Railroad Company, .
25 shares Western National Bank Company,
50 shares New England Loan & Trust Co.,
Pulaski Iron Company, ....
ft, 160 00
4,444 00
10,400 00
8,800 00
2,080 00
5,040 00
20,000 00.
4,000 00
2,125 00
5,000 00
5,000 00.
$3,000 00
15,000 00
21,000 00
2,000 00
10,000 00
$267,367 00 $197,200 00
Summary of Assets Dec
Cash value of unencumbered real estate,
Loans on mortgage of real estate (first liens^
Interest due or accrued thereon,
Stocks and bonds, as per schedule, .
Loans on collateral security, as per schedule,
Cash in the office of the company, .
Cash deposited in bank, ....
Interest due and accrued, ....
Premiums in course of collection (gross),
Rents due and accrued, ....
Gross assets, .....
Deduct special deposits in other States, .
Balance,
31, 1895.
$182,500 00
, 877,820 00
11,002 49
2,896,139 00
197,200 00
851 77
76,119 40
2,653 63
235,637 66
1,399 20
t,481,323 15
50,400 00
t,430,923 15
Liabilities.
Losses adjusted, unpaid, .
claimed and reported, .
disputed or resisted,
Unearned premiums on outstanding risks
Reclaimable on perpetual fire policies,
Commissions and brokerage, .
Reinsurance disallowed, .
Gross liabilities, except capital,
Deduct liability on special deposits,
Surplus as regards policy-holders, .
Paid-up capital, ....
Surplus over capital, .
$46,727 43
94,344 65
17,187 67
1,332,527 12
782,954 62
24,000 00
18,023 48
12,315,764 97
35,823 16
2,279,941 81
. $2,150,981 34
. 400,000 00
,750,981 34
* Total value of property mortgaged,
Amount of insurance held ae collateral,
$2,253,800 00
697,000 00
PENNSYLVANIA FIRE INSURANCE CO.
305
Income.
Fire premiums outstanding Dec. 31, 1894
Premiums, on risks written or renewed,
Total,
Premiums now in course of collection,
Entire premiums collected,
Less reinsurance and return premiums,
Net cash fire premiums received,
Interest received on mortgages,
Interest and dividends received from all other
Income from rents, ....
Deposits received for perpetual fire risks
Gross cash income,
Expenditures.
Cash paid for fire losses, . . .
Cash dividends paid,
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for incidentals,
Deposits returned on perpetual fire risks,
Gross cash expenditures, . .
$234,922 00
2,041,902 77
52,276,824 77
235,037 66
1,041,187 11
412,090 96
sources,
$51,968 13
$14,900 31
$1,629,096 15
38,539 26
147,327 69
2,205 69
$1,817,168 79
$829,321 78
60,000 00
380,798 74
87,028 00
37,844 32
99,126 98
1,494,119 82
Risks and Premiums.
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
Total,
Deduct risks expired and terminated,
In force at end of year, .
Deduct amount reinsured,
Net amount in force,
$250,875,254 00
192,225,311 00
$443,100,565 00
164,057,773 00
$279,042,792 00
13,014,728 00
Premiums.
$2,637,215 29
2,041,902 77
$4,679,118 06
1,958,482 89
$2,720,635 17
125,224 43
$266,028,064 00 $2,595,410 74
Perpetual risks in force (not included above), $34,558,777 00 $856,092 17
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company, .
Fire losses incurred during the year, ....
Cash dividends declared from organization of company,
Dividends declared during the year (15 per cent),
Company's stock owned by directors, ....
$28,442,270 00
16,037,386 00
807,822 00
2,769,000 00
60,000 00
55,100 00
306
PHENIX INSURANCE CO.
"PHENIX INSURANCE COMPANY," BROOKLYN, N. Y.
[Incorporated Sept. 10, 1853. Commenced business Sept. 10, 1853.]
Paid-up Capital, $1,000,000.
GEORGE P. SHELDON, President. CHARLES C. LITTLE, Secretary.
Detailed Statement of Stocks and Bonds.
United States bonds, ....
State of Virginia bonds, ....
City of Richmond, Va., bonds, .
New York City Consolidated stock, .
Kings County Elevated Railway bonds, .
Toledo & Ohio Central R.R. bonds, .
Central Georgia Railway bonds,
Louisville, St. Louis & Texas Railway bonds,
Louisville & Nashville R.R. bonds, .
Norfolk & Western R R. bonds,
United Traction & Electric R'y Co. bonds,
Northern Pacific Terminal Co bonds,
Wabash R.R. Co. bonds, ....
Missouri, Kansas & Texas R'y Co. bonds,
Metro. West Side Elevated R'y of Chic, b'ds,
Missoula County, M. T., bonds,
U. S. Illuminating Co. bonds, .
Lake Gas Co. of Chicago bonds,
Grand Rapids Gas Light Co. bonds, .
New York, New Haven & Hartford R.R ,
Ohio Southern R.R. Co. " Car Trusts," .
50 shares Dry Dock, E. B'y & Battery R.R.
1,125 " New York & Harlem R.R., .
1,000 " Morris & Essex R.R., .
2,000 " Beech Creek R.R.,
1,000 " Delaware & Hudson Canal Co.,
500 " Pitts., Ft. Wayne & Chicago R.R
1,000 " Syracuse, Bing., & N. Y. R.R.,
500 " Rensselaer & Saratoga Railroad,
800 " Chic, Milwaukee & St. Paul R'y
700 " Lake Shore & Mich. South. R'y,
200 " American Ex. Nat'l Bank, N.Y.,
200 " Nat'l Shoe & Leather B n k, N. Y.,
386 " Nat'l Bank of the Republic, N. Y
87 " Nat'l Bank of Commerce, N. Y.,
200 " Fourth National Bank, N. Y ,
100 " Mercantile Nat'l Bank, N. Y ,
253 " National Park Bank, N. Y., .
1,200 " Chatham National Bank, N. Y.,
408 " Mechanics' Bank, Brooklyn,
Par Value.
£315,000 00
100,000 00
21,000 00
762,000 00
26,000 00
5,000 00
50,000 00
26,000 00
25,000 00
25,000 00
25,000 00
25,000 00
30,000 00
50,000 00
35,000 00
12,000 00
25,000 00
50,000 00
50,000 00
200,000 00
30,000 00
5,000 00
56,250 00
50,000 00
100,000 00
100,000 00
50,000 00
100,000 00
50,000 00
80,000 00
70,000 00
20,000 00
20,000 00
38,600 00
8,700 00
20,000 00
10,000 00
25,300 00
30,000 00
20,400 00
Market Value.
$351,200 00
62,500 00
21,000 00
792,480 00
19,500 00
5,400 00
45,000 00
15,080 00
25,000 00
20,000 00
25,625 00
26,500 00
31,500 00
42,500 00
28,000 00
13,200 00
25,500 00
51,000 00
45,000 00
276,000 00
30,000 00
8,750 00
160,312 50
85,000 00
97,500 00
130,000 00
85,000 00
175,000 00
92,500 00
104,000 00
104,300 00
34,000 00
19,200 00
59,830 00
18,270 00
38,000 00
18,000 00
70,840 00
102,000 00
55,080 00
PIIENIX INSURANCE CO.
307
600 shares National City Bank, Brooklyn,
135 " Natfl Bank of Illinois, Chicago, .
200 " Phenix National Bank, N. Y.,
100 " Bond & Mortgage Guarantee Co.,
150 " Brooklyn Bank, Brooklyn, .
1,500 " Central & So. American Tel. Co.,
1,000 " Western Union Telegraph Co., .
187 " New York Mutual Gas Light Co.,
Par Value.
$30,000 00
13,500 00
4,000 00
10,000 00
7,500 00
150,000 00
100,000 00
18,700 00
Market Value.
|123,000 00
35,100 DO
4,600 00
13,000 00
12,750 00
187,500 00
87,000 00
44,880 00
!,074,950 00 $3,917,397 50
Summary of Assets Dec
Cash value of unencumbered real estate,
Loans on mortgage of real estate (first liens*)
Interest due or accrued thereon,
Stocks and bonds, as per schedule, .
Cash in the office of the company, .
Cash deposited in bank, .
Interest due and accrued, ,
Premiums in course of collection (gross)
Rents due and accrued,
Gross assets, ....
Deduct special deposits in other States,
Balance, $5,759,062 75
31, 1895.
$179,000 00
120,600 00
1,969 95
3,917,397 50
1,325 62
498,578 05
10,355 80
928,862 89
3,472 94
i,961,562 75
202,500 00
Liabilities.
Losses claimed and reported, .
Losses disputed or resisted,
Total amount of losses,
, Less reinsurance, ....
Net amount of unpaid losses, .
Unearned premiums on outstanding risks,
Due and accrued for rent, salaries, etc.,
Commissions and brokerage, .
Return premiums and reinsurance, .
Reinsurance disallowed, .
Gross liabilities, except capital,
Deduct liability on special deposits,
Surplus as regards policy-holders, .
Paid-up capital, ....
Surplus over capital, .
>76,423 96
43,125 00
$319,518 96
44,619 44
$274,929 52
3,811,063 04
2,266 66
111,633 35
120,121 24
618 36
$4,320,632 17
126,358 94
4,194,273 23
M ,564,789 52
1,000,000 00
$564,789 52
* Value of lands mortgaged,
Value of buildings thereon,
Amount of insurance held as collateral,
$73,250 00
158,500 00
126,000 00
308
PHENIX INSURANCE CO.
Income.
Fire premiums outstanding Dec. 31, 1894, . $938,287 95
Premiums on risks written or renewed, . . 5,666,819 21
Total, . $6,605,107 16
Premiums now in course of collection, . . 928,862 89
Entire premiums collected, .... $5,676,244 27
Less reinsurance and return premiums, . . 1,634,716 85
Net cash fire premiums received, . . .
Interest received on mortgages,
Interest and dividends received from all other sources, .
Income from rents, . *
1,041,527 42
6,298 44
159,943 93
15,032 76
Gross cash income, $4,222,802 55
Expenditures.
Cash paid for fire losses, . . . . $2,685,612 24
Deduct salvage and reinsurance, . . . 340,273 08
Net cash paid for fire losses, . . . . —
Cash dividends paid, . . .
Cash paid for commissions and brokerage,
for salaries of officers and employees, .
for State and local taxes,
for incidentals,
Gross cash expenditures,
1,345,339 16
100,000 00
651,169 92
306,581 43
77,551 28
380,177 71
5,860,819 50
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
Risks and Premiums.
Premiums.
$589,911,541 00 $7,629,251 44
443,468,829 00 5,666,819 21
Total,. ■.
Deduct risks expired and terminated,
In force at end of year,
Deduct amount reinsured,
Net amount in force, . . .
$1,033,380,370 00 $13,296,070 65
372,172,005 00 4,799,258 20
$661,208,365 00 $8,496,812 45
74,730,184 00 928,836 05
$586,478,181 00 $7,567,976 40
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company, .
Fire losses incurred during the year,
Cash dividends declared from organization of company
Dividends declared during the year (10 per cent.),
Company's stock owned by directors, .
$103,648,955 00
. 52,510,918 00
. 2,314,337 00
. 3,574,000 00
100,000 00
169,550 00
PHCENIX INSURANCE CO.
309
"PHCENIX INSURANCE COMPANY," HARTFORD, CONN.
[Incorporated May, 1854. Commenced business June, 1854.]
Paid-up Capital, $2,000,000.
D. W. C. SKILTON, President, GEO. H. BURDICK, Secretary.
Detailed Statement of Stocks and Bonds.
300 shares iEtna National Bank. Hartford,
1,000 " American National Bank,
100 " Atlantic Trust Co., N. Y., .
125 " Central Trust Co., N. Y., .
162 " Charter Oak Natl B'k, Hartford
160 " City Bank, Hartford, .
100 " Connecticut River B'k, Hartford,
300 " F'm's' & Mech's' N. B'k, Hartf'd,
175 " First National B'k, Wallingford,
400 " Franklin Trust Co., N. Y., .
1,030 " Hartford Nat'l Bank, Hartford,
400 " Hartford Trust Co., Hartford,
100 " Home National Bank, Meriden,
133 " Imperial Bank, Toronto, Ont.,
250 " Metropolitan Natl Bank, Cin.,
108 " Merchants 1 Ex. Nat'l B'k, N. Y ,
800 " Mercantile Nat'l Bank, Hartford
200 " Natl Shoe and Leather B'k, N. Y.
340 " Nat'l Exchange Bank, Hartford,
125 " Nat'l German Amer. B'k, St. Paul
200 " New Britain Nat'l B'k, New Brit
770 " Phoenix National Bank, Hartford
200 " State Bank, Hartford, .
440 " Waterbury Natl B'k, Waterbury
50 " Security Company, Hartford,
500 " Bald Eagle Valley R R.,
300 " Beech Creek R R.,
350 " Chicago & Alton R.R. Co., .
500 " Cleveland & Pittsburgh R.R.,
500 " Fort Wayne & Jackson R.R.,
200 " Georgia R.R. & Banking Co.,
120 " Hartford & Conn. Western R.R.,
1,000 " Illinois Central R.R., .
1,000 " Morris & Essex R.R., .
1,500 " N. Y., N. H. & Hartford R.R.,
250 " New York & Harlem R.R., .
500 " N. Y. Cent. & Hudson River R.R.
500 " Peoria & Bureau Valley R.R. Co.
500 " Pittsburgh, McKeesport & Y. R.R
500 " Rensselaer & Saratoga R.R. Co.,
Par Value.
$30,000 00
50,000 00
10,000 00
12,500 00
16,200 00
16,000 00
3,000 00
30,000 00
17,500 00
40,000 00
103,000 00
40,000 00
10,000 00
13,300 00
11,250 00
5,400 00
80,000 00
20,000 00
17,000 00
12,500 00
20,000 00
77,000 00
20,000 00
22,000 00
5,000 00
25,000 00
15,000 00
35,000 00
25,000 00
50,000 00
20,000 00
12,000 00
100,000 00
50,000 00
150,000 00
12,500 00
50,000 00
50,000 00
25,000 00
50,000 00
Market Value.
$42,000 00
70,000 00
18,500 00
131,250 00
16,200 00
16,800 00
4,000 00
34,500 00
19,775 00
96,000 00
149,350 00
58,000 00
12,000 00
24,073 00
500 00
6,480 00
64,000 00
19,000 00
22,100 00
8,125 00
31,000 00
92,400 00
22,000 00
38,500 00
6,250 00
50,000 00
15,000 00
56,000 00
41,750 00
62,500 00
36,700 00
3,000 00
95,000 00
83,500 00
270,000 00
35,000 00
49,000 00
87,500 00
33,625 00
91,000 00
310
PHCENIX INSURANCE CO.
500 shaves Sharon R.R. of Pa.,
150 " Empire & Bay States Tel. Co.,
1,320 " Holyoke Water Power Co., .
1,500 " North Western Telegraph Co.,
400 " West End St. Railway Co., Boston
Georgia State bonds,
Brooklyn Wharf and Warehouse Co. bonds,
Ashland, Oregon, water bonds,
Brantford, Canada, bonds, .
Guelph, Canada, bonds,
Victoria, British Columbia, bonds,
Town of St. Henry, P. Q., bonds,
Province of New Brunswick bonds,
Columbus, O., improvement bonds,
Fostoria, O.. water bonds,
Leavenworth City & Ft. L'worth water bonds
Hannibal, Mo., school bonds, .
Northwestern Telegraph Company bonds,
Naumkeag Street Railway Company bonds,
Superior, Wis , improvement bonds,
Urbana, O., gas bonds, ....
Can. Pacific 1st Mort. Land Grant R.R. bonds
Cedar Rapids, Iowa Falls & N. W. R'y bonds
Chicago & N. Western Railway bonds, .
Chicago & Western Indiana Railroad bonds,
Chicago, Burlington & Quincy R.R bonds,
Chicago, Rock Island & Pacific R.R. bonds,
Cincinnati, Dayton & lronton bonds,
Erie Railway consols bonds,
Minneapolis Union Railway Company bonds
N. Y., Lackawanna & Western R R. bonds,
N. Y., N. H. & H R.R debentures, bonds,
St. Paul, Eastern & Grand Trunk bonds,
Terre Haute & Logansport Railroad bonds,
Terre Haute & Peoria bonds, .
Texas & New Orleans bonds, .
Par Value.
$25,000 00
15,000 00
132,000 00
75,000 00
20,000 00
25,000 00
75,000 00
50,000 00
25,000 00
24,000 00
20,000 00
75,000 00
5,000 00
12,000 00
25,000 00
25,000 00
24,000 00
25,000 00
25,000 00
25,000 00
25,000 00
44,000 00
50,000 00
49,000 00
149,000 00
10,000 00
25,000 00
25,000 00
50,000 00
50,000 00
50,000 00
75,000 00
10,000 00
50,000 00
25,000 00
54,000 00
Market Value.
$25,750 00
11,475 00
330,000 00
86,250 00
26,400 00
28,875 00
77,250 00
54,500 00
27,875 00
27,960 00
23,000 00
79,875 00
5,050 00
12,720 00
25,000 00
27,500 00
25,440 00
28,875 00
25,000 00
26,000 00
25,000 00
49,280 00
51,500 00
57,330 00
171,920 00
10,100 00
26,250 00
27,000 00
71,000 00
62,000 00
67,500 00
102,750 00
11,500 00
56,500 00
25,000 00
60,480 00
$2,819,150 00 $3,862,283 00
Securities held as collateral for cash loans : —
93 shares Travelers Insurance Company,
240 " Landers, Frary & Clark,
70 " Southern New England Tele. Co., .
103 " Atlantic Dock Co., ....
64 " Hartford Carpet Co.,
Market Value. Loaned Thereon
,716 00
6,360 00
6,790 00
10,300 00
4,160 00
$11,500 00
9,000 00
11,200 00
$47,326 00 $31,700 00
PHOENIX INSURANCE CO.
311
Summary of Assets Dec
Cash value of unencumbered real estate,
Loans on mortgage of real estate (first liens*)
Interest due or accrued thereon,
Stocks and bonds, as per schedule, .
Loans on collateral security, as per schedule,
Cash in the office of the company, .
Cash deposited in banks, ....
Interest due and accrued, . . . '
Premiums in course of collection (gross),
Rents due and accrued, ....
Reinsurance due, .....
Gross assets,
Deduct special deposits in other States, .
Balance,
31, 1895.
$476,917 68
225,340 29
10,025 09
3,862,283 00
31,700 00
33,121 47
135,918 65
5,064 76
505,676 87
5,282 45
17,689 42
$5,309,019 68
296,415 00
. $5,012,604 68
Liabilities.
Losses claimed and reported, .
Losses disputed or resisted,
Unearned premiums on outstanding risks,
Commissions and brokerage, .
Gross liabilities, except capital,
Deduct liability on special deposits,
Surplus as regards policy-holders, .
Paid-up capital, .....
Surplus over capital, .
Income.
Fire premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed, .
Total,
Premiums now in course of collection, .
*
Entire premiums collected,
Less reinsurance and return premiums, .
Net cash fire premiums received,
Interest received on mortgages,
Interest and dividends received from all other
Income from rents,
Profit on sale of securities,
Gross cash income, .
$293,990 37
48,451 06
2,484,451 32
62,500 00
$2,889,392 75
174,937 55
2,714,455 20
$2,298,149 48
2,000,000 00
$298,149 48
$596,584 37
3,903,462 34
£4,500,046 71
505,676 87
£3,994,369 84
607,585 58
sources,
f3,386,784 26
10,032 57
190,074 01
5,173 69
28,350 00
$3,620,414 53
* Value of lands mortgaged, . .
Value of buildings thereon,
Amount of insurance held as collateral, .
$379,070 00
135,600 00
84,225 00
312
PROVIDENCE WASHINGTON INSURANCE CO.
Expenditures.
Cash paid for fire losses, $2,589,040 08
Deduct salvage and reinsurance, . . . 171,198 60
Net cash paid for fire losses, .... ■
Cash dividends paid, .....
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for incidentals,
Gross cash expenditures, ....
1,417,841 48
280,000 00
549,619 73
190,714 35
78,130 23
338,982 98
$3,855,288 77
Risks and Premiums.
Premiums.
Fire risks outstanding Dec. 31, 1894, . $381,879,635 00 $4,549,486 92
Fire risks written during 1895, . . 336,829,714 00 3,903,462 34
Total, ......
Deduct risks expired and terminated,
In force at end of year, .
$718,709,349 00 $8,452,949 26
288,220,762 00 3,547,091 39
$430,488,587 00 $4,905,857 87
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company, .
Fire losses incurred during the year, ....
Cash dividends declared from organization of eompanj*,
Dividends declared during the year (14 per cent.),
Company's stock owned by directors,
$62,128,608 00
38,047,470 00
2,167,266 00
6,685,000 00
280,000 00
65,900 00
"PROVIDENCE WASHINGTON INSURANCE COMPANY,"
PROVIDENCE, R. I.
[Incorporated 1799. Commenced business 1799 ]
Paid-up Capital, $400,000.
J. H. DeWOLF, President.
E. L. WATSON, Secretary.
Detailed Statement of Stocks
Boston & Providence R.R. bonds,
Boston & Maine R R. bonds,
Baltimore & Ohio R.R. bonds, .
Bath Gas and Electric Co. bonds,
City of Pawtucket bonds, .
Cleveland Electric Railway bonds,
Columbus Street Railway bonds,
Lehigh Valley R.R. Co. bonds,
Morris & Essex R.R. Co. bonds,
New York, New Haven & Hartford R.R. bonds,
Rensselaer & Saratoga R.R. bonds, .
and Bonds.
Par Value.
$100,000 00
10,000 00
25,000 00
3,000 00
25,000 00
10,000 00
10,000 00
50,<)00 00
25,000 00
50,000 00
12,000 00
Market value.
$106,000 00
11,500 00
28,750 00
2,700 00
26,500 00
10,300 00
10,100 00
52,500 00
35,000 00
6*, 000 00
17,280 00
PROVIDENCE WASHINGTON INSURANCE CO.
313
180 shares Fourth National Bank, New York,
340 " Nat'l Bank of Commerce, N. Y., .
300 " National Park Bank, N. Y., .
500 " American National Bank, Pro v., .
1,000 " Blackstone Canal Nat'l B'k, Prov.,
300 " Commercial National B'k, Prov., .
300 " Manufacturers Nat'l Bank, Prov., .
500 " Merchants National Bank, Prov., .
400 " Mechanics National Bank, Prov., .
500 " National B'k of Commerce, Prov.,
3()0 " Nat'l Bank of No. America, Prov.,
300 " National Eagle Bank, .
200 " Weybosset National Bank, .
500 " Providence Gas Co , .
600 " Chicago & Alton R.R. Co., .
200 " Chicago & No. Western R'y Co., .
500 " Oswego & Syracuse R.R. Co.,
1,500 " What Cheer Corporation,
Tar Value.
$18,000 00
34,000 00
30,000 00
25,000 00
25,000 00
15,000 00
30,000 00
25,000 00
20,000 00
25,000 00
15,000 00
15,000 00
10,000 00
25,000 00
60,000 00
20,000 00
25,000 00
200,000 00
Market Value.
|31,140 00
70,720 00
81,600 00
22,500 00
25,000 00
14,400 00
42,600 00
31,500 00
20,800 00
22,000 00
13,500 00
16,500 00
8,600 00
42,000 00
94,800 00
28,800 00
51,250 00
200,000 00
$937,000 00 $1,186,340 00
Summary of Assets Dec
Stocks and bonds, as per schedule, .
Cash in the office of the company, .
Cash deposited in bank, .
Premiums in course of collection (gross),
Notes taken for marine and inland risks,
Premiums more than three mos. due, $3,760 99
Gross assets, . . . . .
31, 1895.
$1,186,340 00
2,335 67
63,773 54
178,221 41
48,610 33
$1,479,280 95
Liabilities.
Losses adjusted, unpaid, .
claimed and reported, .
disputed or resisted,
Total amount of losses,
Less reinsurance,
Net amount of unpaid losses, .
Unearned premiums on outstanding risks
Commissions and brokerage, .
Bills payable,
Reinsurance disallowed, .
Gross liabilities, except capital,
Surplus as regards policy-holders, .
Paid-up capital, . . .
Surplus over capital, . . ,
$5,585 97
142,539 13
6,393 73
$154,518 83
43,118 77
$111,400 06
741,767 71
26,787 59
14,950 24
21,724 10
916,629 70
$562,651 25
400,000 00
$162,651 25
314 PROVIDENCE WASHINGTON INSURANCE CO.
Income.
Fire premiums outstanding Dec. 31, 1894, . $106,931 58
Same not collected, 9,377 58
Net collected,
Premiums on risks written or renewed, .
Total,
Premiums now in course of collection, .
Entire premiums collected,
Less reinsurance and return premiums, .
Net cash fire premiums received, . . . $852,625 76
Marine premiums outstanding Dec. 31, 1894,
Same not collected,
Net collected,
Premiums on risks written or renewed, .
Total,
Premiums now in course of collection, .
Entire premiums collected,
Less reinsurance and return premiums, .
Net cash marine premiums received, . . 372,703 45
Interest and dividends received from all sources, . . . 44,605 60
$97,554 00
1,151,918 73
$1,249,472
138,994
73
43
$1,110,478
257,852
30
54
$108,025 38
615 00
$107,410
481,536
38
02
$588,946 40
91,598 30
$497,348
124,644
10
65
Gross cash income, $1,269,934 81
Expenditures.
Cash paid for fire losses, $573,301 58
Deduct salvage and reinsurance, , . . 107,261 27
Net cash paid for fire losses, .... — $466,040 31
Cash paid for marine and inland losses, . . $373,401 55
Deduct salvage and reinsurance, . . . 93,555 33
Net cash paid for marine and inland losses, . 279,846 22
Cash dividends paid, 32,000 00
Cash paid for commissions and brokerage, .... 226,515 29
for salaries of officers and employees, . . . 82,556 79
for State and local taxes, 24,947 23
for incidentals, . 67,659 08
,179,564 92
Gross cash expenditures, .....
Risks and Premiums. Premiums.
Fire risks outstanding Dec. 31, 1894, . $135,232,566 00 $1,431,858 10
Fire risks written during 1895, . . 110,592,340 00 1,151,918 73
Total $245,824,906 00 $2,583,776 83
Deduct risks expired and terminated, . 107,293,488 00 1,122,853 59
In force at end of year, .... $138,531,418 00 $1,460,923 24
Deduct amount reinsured, . . . 24,551,514 00 243,142 46
Net amount in force, . . '. ' $113,979,904 00 $1,217,780 78
QUEEN QflSURAKGE CO. OF AMEBIC A.
Marine i i-k s outstanding Dec. 31, 1894,
Marine ri.^ks written daring 1895, .
Total
Deduct risks expired and terminated,
In force at end of year,
Deduct amount reinsured,
Net amount in force, .
Prr-miumi.
$8,492,896 00 1243356 51
98344,150 00 481,536 02
1107,337,046 00 |72£
99,691,005 00 500,704 82
^7,046,041 00 $224,687, 71
1,740,033 00
$5,897,008 00 $186,826 84
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company, .
Fire losses incurred during the year, ....
Marine and inland losses incurred during the year,
Cash dividends declared from organization of company,
Dividends declared during the year (8 per cent.;, .
Company's stock owned by directors, ....
$2o,871,078 00
. lo,285,010 00
447,331 00
286,523 00
. 2,096,563 00
32,000 00
43,200 00
" QUEEN INSURANCE COMPANY OF AMERICA," NEW YORK, N. Y.
[Incorporated Sept. 11, 1891. Commenced business Sept. 11, 1891.]
Paid-up Capitax, $500,000.
JAMES A. MACDONALD, President. GEO. W. BCRCHELL, Secretary.
Detailed Statement of Stocks a^d Bonds.
United States bonds. .
District of Columbia bonds,
New York City bonds,
City of Brooklyn bonds,
New Zealand stock, .
Quebec loan,
Manitoba debentures,
Halifax, N. S , stock,
250 shares New York & Harlem Railroad,
443 " United N. J. R R. & Canal Co ,
517 « N Y., Lack. & Western Railroad
950 " Rome, Watertown & Ogd. R.R.,
360 " Pittsburgh, F. W. & Chic. R.R.,
1,400 " ^1 orris & Essex Railroad, .
250 " Rensselaer & Saratoga Railroad
Farmers' Loan & Trust Co. stock, .
United States government bonds,
New York, Lack. & Western Railroad bonds,
Chicago & Southwestern Railroad bonds,
North Wisconsin Railroad bonds, . ,
Par Value.
1476,000 00
340,000 00
325,000 00
125,000 CO
49,000 00
24,500 00
29,400 00
60,000 00
12,500 00
44,300 00
51,700 00
95,000 00
36,000 00
70,000 00
25,000 00
10,000 00
90,000 00
200,000 00
10,000 00
30,000 00
Market Value.
f 553,2 10 00
365,500 00
325,000 00
131,186 65
49,000 00
24,500 00
29,400 00
66,000 00
31,978 98
99,744 18
56.983 33
110,135 00
55,613 30
104,150 10
42,437 50
71,600 00
98,100 00
247,856 53
10,496 88
36,608 85
316
QUEEN INSURANCE CO. OF AMERICA.
Chicago, Burlington & Quincy R.R. bonds,
Chicago, Rock Island & Pacific R.R. bonds,
Fremont, Elkhorn & Mo. Railroad bonds,
Chicago, Mil. & St. Paul Railroad bonds,
Chicago & North Western R.R. sinking fund,
Baltimore & Ohio Railroad bonds, .
Pennsylvania Co. Railroad bonds, .
Morris & Essex Railroad bonds,
Michigan Central Railroad bonds, .
Central Railroad of New Jersey R.R. bonds,
Lake Shore & Michigan Southern R.R. bonds
Canada Southern Railroad bonds, .
Chicago, St. Paul, Minn. & Omaha R.R. bonds
Albany & Susquehanna Railroad bonds, .
Detroit & Bay City Railroad" bonds, .
Northern Pacific Railroad bonds,
Louisville & Nashville Railroad bonds, .
Evansville & Indianapolis Railroad bonds,
Ohio & Miss. Equipment Trust,
Consolidated Gas Co. of New York,
Par Value.
$40,000 00
35,000 00
10,000 00
106,000 00
49,000 00
10,000 00
50,000 00
110,000 00
43,000 00
80,000 00
40,000 00
25,000 00
25,000 00
25,000 00
20,000 00
41,000 00
15,000 00
25,000 00
3,000 00
20,000 00
Market Value.
$42,248 31
35,330 99
11,879 07
108,793 99
51,137 81
10,000 00
53,426 92
148,823 15
45,709 30
89,170 15
45,553 53
25,932 93
28,818 45
28,847 6Q
23,476 32
45,193 04
15,548 13
21,250 00
2,615 00
20,412 81
1,875,400 00 $3,363,698 86
Summary of Assets Dec. 31, 1895.
Cash value of unencumbered real estate,
Stocks and bonds, as per schedule, .
Cash in the office of the company, .
Cash deposited in bank, ....
Interest due and accrued,
Premiums in course of collection (gross),
Notes taken for fire risks, ....
Reinsurance, ......
Premiums more than three mos. due, $7,265 38
Gross assets,
Deduct special deposits in other States, .
Balance,
$25,000 00
3,363,698 86
11,834 27
302,795 18
45,222 96
290,028 02
965 30
41 87
$4,039,586 46
427,900 00
$3,611,686 46
Liabilities.
Losses adjusted, unpaid, .
claimed and reported, .
disputed or resisted,
Total amount of losses,
Less reinsurance, . . .
Net amount of unpaid losses, .
Unearned premiums on outstanding risks,
Due and accrued for rent, salaries, etc., .
$65,679 27
139,872 58
36,126 08
$241,677 93
' 14,370 09
$227,307 84
1,694,174 16
9,200 73
QUEEN INSURANCE CO. OF AMERICA.
317
Commissions and brokerage, .
Return premiums, .
Reinsurance, etc., ....
Gross liabilities, except capital,
Deduct liability on special deposits,
Surplus as regards policy-holders, .
Paid-up capital,
Surplus over capital, .
Income
$54,224 50
31,679 77
4,513 52
$2,021,100 52
293,124 60
$1,727,975 92
$1,883,710 54
500,000 00
$1,383,710 54
Fire premiums outstanding Dec. 31, 1894, . $354,876 52
Same not collected, 2,979 13
Net collected, $351,897 39
Premiums on risks written or renewed, . . 2,668,614 89
Total, . . $3,020,512 28
Premiums now in course of collection, . . 298,258 70
Entire premiums collected, .... f 2,722,253 58
Less reinsurance and return premiums, . . 568,813 22
Net cash fire premiums received,
Interest and dividends received from all sources, .
Gross cash income,
Expenditures.
Cash paid for fire losses, $1,227,219 11
Deduct salvage and reinsurance, . . . 36,267 16
Net cash paid for fire losses, ....
Cash dividends paid,
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for incidentals, ....
Gross cash expenditures, ....
!,153,440 36
122,714 66
},276,155 02
$1,190,951 95
50,000 00
324,178 98
166,150 82
50,482 21
126,445 62
$1,908,209 58
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895, .
Risks and Premiums.
Premiums.
$294,460,009 00 $3,412,886 87
229,021,026 00 2,668,614 89
Total,
Deduct risks expired and terminated,
In force at end of year,
Deduct amount reinsured,
Net amount in force, .
$523,481,035 00 $6,081,501 76
218,432,402 00 2,624,967 65
$305,048,633 00 $3,456,534 11
14,351,033 00 135,361 82
$290,697,600 00 $3,321,172 29
318
THE READING FIRE INSURANCE CO,
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company, .
Fire losses incurred during the year,
Cash dividends declared from organization of company
Company's stock owned by directors,
$10,051,610 00
. 5,471,971 00
. 1,178,024 00
50,000 00
7,000 00
"THE READING FIRE INSURANCE COMPANY," READING, PA.
[Incorporated July 8, 1867. Commenced business July 8, 1867.]
Paid-up Capital, $250,000.
WM. A. ARNOLD, President. S. E. ANCONA, Secretary.
Detailed Statement of Stocks
Philadelphia & Reading Railroad bonds,
Perkiomen Railroad bonds,
Warren & Franklin Railroad bonds,
United States bonds, ....
250 shares Reading Gas Company, .
124
200
150
50
100
772
125
So. Reading Market House Co.,
East Pennsylvania Railroad, .
National Union Bank, Reading,
Farmers 1 National Bank, Reading,
Second National Bank, Reading,
Reading Trust Company,
Reading City Passenger Railway,
Reading City Passenger Railway bonds, .
South Reading Market House Company scrip,
Securities held as collateral for cash loans
80 shares National Union Bank,
5 " Citizens 1 Bank,
35 " Reading Trust Co., .
8 " National Union Bank,
25 " Second National Bank,
10 " Second National Bank,
150 " Keystone Wagon Company,
39 " South Reading Market House
15 " Reading Gas Co.,
6 " Reading Trust Co , .
15 " W. Reading B. & S. Asso.,
Reading Foundry Co. bonds, .
Judgment notes secured, .
Assignment of mortgage, .
and Bonds.
Par Value.
$36,000 00
2,000 00
1,000 00
10,000 00
6,250 00
3,100 00
10,000 00
3,750 00
1,500 00
10,000 00
77,200 00
6,250 00
500 00
900 00
Market Value.
$31,940 00
2,000 00
1,020 00
11,000 00
15,000 00
4,030 00
10,600 00
12,900 00
3,800 00
18,000 00
100,360 00
12,750 00
500 00
900 00
$168,450 00 $224,80J 00
Market Value.
$6,880 00
325 00
4,550 00
688 00
7,500 00
1,800 00
15,000 00
1,267 50
900 00
780 0Q
1,016 82
25,000 00
150 00
1,700 00
Loaned Thereon.
$6,500 00
2,375 00
1,700 00
1,500 00
9,000 00
700 00
1,700 00
25,000 00
150 00
1,700 00
$67,557 32 $50,325 00
THE READING FIRE INSURANCE CO.
319
Summary of Assets Dec. 31, 1895.
Cash value of unencumbered real estate,
Loans on mortgage of real estate (first liens*),
Interest due or accrued thereon,
Stocks and bonds, as per schedule, .
Loans on collateral security, as per schedule,
Cash in the office of the company, .
Cash deposited in bank, ....
Interest due and accrued, ....
Premiums in course of collection (gross),
Rents, reinsurance, etc., ....
Premiums more than three mos. clue, $827 04
Gross assets,
),921 00
333,280 66
3,801 64
224,800 00
50,325 00
549 54
52,900 63
744 22
28,645 27
2,164 59
$758,132 55
Liabilities.
Losses adjusted, unpaid, ....
claimed and reported, .
disputed or resisted,
Unearned premiums on outstanding risks,
Reclaimable on perpetual fire policies, .
Dividends to stockholders unpaid,
State and local taxes,
Commissions and brokerage, .
Return premiums,
Reinsurance disallowed, .
Gross liabilities, except capital,
Surplus as regards policy-holders, .
Paid-up capital, ....
Surplus over capital, .
115,440 82
20,374 80
9,180 06
274,499 93
3,956 92
1,089 20
1,000 00
4,436 13
3,613 88
1,297 38
334,889 12
$423,243 43
250,000 00
$173,243 43
Income,
Fire premiums outstanding Dec. 31, 1894,
$74,962 57
Premiums on risks written or renewed, .
424,161 26
Total,.
$499,123 83
Premiums now in course of collection, .
29,472 31
Entire premiums collected, .
$469,651 52
Less reinsurance and return premiums, .
87,072 77
Net cash fire premiums received,
$382,578 75
Interest received on morto-a^es,
• • •
20,251 01
Interest and dividends received from all other
sources, .
13,086 20
1,851 23
Income from commissions, .
. ...
1,329 55
Gross cash income,
$419,096 74
00
00
Amount of insurance held as collateral, .
. 350,357
00
320 THE EELIANCE INSURANCE CO. OF PHILADELPHIA.
Expenditures.
Cash paid for fire losses, ....
Deduct salvage and reinsurance,
Net cash paid for fire losses, . „ .
Cash dividends paid, . .
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for incidentals,
Deposits returned on perpetual fire risks,
Gross cash expenditures, .
$247,897 63
4,471 09
$71 25
$243,426 54
20,064 40
67,398 16
11,255 50
7,575 02
31,091 17
$380,810 79
Risks and Premiums.
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
Total,
Deduct risks expired and terminated,
In force at end of year, .
Deduct amount reinsured,
Net amount in force, .
$47,175,094 00
35,262,473 00
$82,437,567 00
35,756,803 00
$46,680,764 00
561,159 00
$46,119,605 00
Perpetual risks in force (not included above), $139,750 00
Premiums.
$567,577 41
424,161 26
$991,738 67
447,772 95
$543,965 72
6,041 90
$537,923 82
$4,175 12
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company, .
Fire losses incurred during the year,
Cash dividends declared from organization of company
Dividends declared during the year (8 per cent.), .
Company's stock owned by directors,
£3,759,552 00
2,047,127 00
221,314 00
417,561 00
20,000 00
57,740 00
"THE RELIANCE INSURANCE COMPANY OF PHILADELPHIA,"
PHILADELPHIA, PA.
[Incorporated April 21, 1841. Commenced business Aug. 9, 1844.]
Paid-up Capital, $300,000.
WILLIAM CHUBB, President. CHAS. J. WISTER, Jr., Secretary.
Detailed Statement of Stocks and Bonds.
United States bonds,
City of Philadelphia bonds,
City of Pittsburgh bonds, .
Par Value. Market Value.
115,000 00 $16,650 00
46,000 00 47,980 00
48,000 00 52,800 00
City of Quincy, 111., bonds,
City of Wilmington, Del., bonds,
American Steamship Company bonds,
United Company of New Jersey bonds, .
Lehigh Coal & Navigation Co. bonds,
Lehigh Valley Railroad Company bonds,
Easton & Amboy Railroad Co. bonds,
North Pennsylvania Railroad Co. bonds, .
Louisville & Nashville Railroad Co. bonds,
Northern Central Railroad Co. bonds,
Philadelphia & Erie Railroad Co. bonds, .
Philadelphia & Baltimore Central R.R. bonds
Pennsylvania Railroad Co. bonds, .
Steubenville & Ind. Railroad bonds,
Pennsylvania Equipment Trust certificates,
Camden & Atlantic Railroad bonds, .
Pennsylvania & New York Canal Co. bonds,
Car Trust of New York certificates,
Allentown Terminal Railroad bonds,
Philadelphia & Reading Railroad bonds,
Delaware River Ferry Company bonds, .
200 shares Commercial National Bank, .
25 shares Mechanics' National Bank,
Philadelphia Traction Company bonds, . '
People's Passenger R'y Co. stock certificates,
American Water Works Co. bonds, .
New York & Long Branch R.R. Co. bonds,
Second Avenue Traction Co., Pittsburgh bonds
International Navigation Co. bonds,
Huntingdon & B. T. Mt. R.R. & Coal Co. bds,
OF PHILADELPHIA. 321
Tar Value.
Market Value.
$15,000 00
$15,150 00
20,000 00
21,500 00
5,000 00
5,100 00
5,000 00
5,500 00
20,000 00
20,800 00
45,000 00
46,500 00
20,000 00
21,800 00
15,000 00
17,500 00
8,000 00
9,280 00
10,000 00
11,350 00
25,000 00
29,500 00
10,000 00
10,600 00
4,000 00
4,689 00
10,000 00
11,100 00
15,000 00
15,000 00
30,000 00
31,500 00
60,000 00
62,600 00
1,000 00
1,000 00
15,000 00
15,300 00
10,000 00
9,900 00
10,000 00
10,300 00
10,000 00
9,000 00
2,500 00
2,725 00
5,000 00
5,150 00
10,000 00
9,300 00
10,000 00
8,500 00
5,000 00
5,700 00
s, 15,000 00
15,450 00
5,000 CO
5,200 00
10,000 00
10,500 00
$534,500 00 $564,915 00
Summary of Assets Dec. 31, 1895.
Cash value of unencumbered real estate, . $90,000 00
Loans on mortgage of real estate (first liens*), 221,260 00
Interest due or accrued thereon, . . . 2,630 80
Stocks and bonds, as per schedule, . . .. 564,915 00
Cash in the office of the company, . . . 513 17
Cash deposited in bank, 26,732 81
Premiums in course of collection (gross), . 46,928 51
Rents due and accrued, 331 50
Perpetual insurance deposit, .... 585 00
Gross assets,
$953,896 79
* Value of lands mortgaged, . .
Value of buildings thereon,
Amount of insurance held as collateral,
$202,600 00
257,400 00
159,116 00
322
THE RELIANCE INSURANCE CO. OF PHILADELPHIA.
Liabilities.
Losses adjusted, unpaid, .
claimed and reported,
disputed or resisted,
Total amount of losses, .
Less reinsurance,
Net amount of unpaid losses,
Unearned premiums on outstanding risks,
Reclaimable on perpetual fire policies,
Commissions and brokerage, .
Reinsurance disallowed, ....
Gross liabilities, except capital,
Surplus as regards policy-holders, .
Paid-up capital,
Surplus over capital,
$11,805 22
29,307 23
6,607 49
,719 94
7,721 63
$39,998 31
237,839 87
132,642 38
9,256 35
9,932 94
$429,669 85
$524,226 94
300,000 00
$224,226 94
Income.
Fire premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed, .
Total,
Premiums now in course of collection, .
Entire premiums collected,
Less reinsurance and return premiums, .
Net cash fire premiums received,
Interest received on mortgages,
Interest and dividends received from all other
Income from rents,
Income from all other sources,
Deposits received for perpetual fire risks,
Gross cash income,
Expenditures
Cash paid for fire losses, ....
Deduct salvage and reinsurance,
Net cash paid for fire losses,
Cash dividends paid, ....
Cash paid for commissions and brokerage,
for salaries of officers and employ
for State and local taxes,
for incidentals,
Deposits returned on perpetual fire risks,
Gross cash expenditures, .
$39,503 09
400,134 10
$439,637 19
46,928 51
$392,708 68
83,441 97
sources,
1,627 25
$163,146 23
13,593 54
ees,
J,683 21
$309,266 71
7,705 79
27,836 50
873 82
261 37
$345,944 19
$149,552 69
18,000 00
75,340 69
25,637 31
7,983 10
15,771 04
$292,284 83
ROCHESTER GERMAN INSURANCE CO.
323
Risks and Premiums.
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
Total,
Deduct risks expired and terminated,
In force at end of year,
Deduct amount reinsured,
Net amount in force,
. $36,550,974 00
. 36,788,567 00
. $73,339,541 00
. 30,671,848 00
.$42,667,693 00
. 3,934,552 00
,733,141 00
Perpetual risks in force (not included above), f 5,273,994 00
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company, .
Fire losses incurred during the year, ....
Cash dividends declared from organization of company,
Dividends declared during the year (6 per cent.), .
Company's stock owned by directors, ....
Premiums.
$421,195 83
400,134 10
$821,329 93
330,051 83
$491,278 10
45,913 77
$445,364 33
$143,397 17
$4,043,653 00
2,504,773 00
164,045 00
826,597 00
18,000 00
42,550 00
"ROCHESTER GERMAN INSURANCE COMPANY OF ROCHESTER,
NEW YORK," ROCHESTER, N. Y.
[Incorporated Feb. 16, 1872. Commenced business Feb. 23, 1872.]
Paid-up Capital, $200,000.
FREDERICK COOK, President. H. F. ATWOOD, Secretary.
Detailed Statement of Stocks and Bonds.
Par Value.
Rochester Railway bonds, .... $165,000 00
Georgia State bonds, . . . . . 25,000 00
German- American Bank of Rochester stock, . 10,000 00
Rochester Title Insurance Company stock, . 10,000 00
Market Value.
$171,600 00
25,000 00
17,500 00
10,000 00
$210,000 00 $224,100 00
Summary of Assets Dec. 31, 1895.
Cash value of unencumbered real estate, . $191,855 73
Loans on mortgage of real estate (first liens*), 349,115 00
Interest due or accrued thereon, . . . 8,304 53
Stocks and bonds, as per schedule, . . . 224,100 00
Cash in the office of the company, . . . 1,125 02
Cash deposited in bank, . . . . . 79,340 19
* Value of lands mortgaged, $413,340 00
Value of buildings thereon, . . . . . . 470,650 00
Amount of insurance held as collateral, . . . 341,575 00
324
ROCHESTER GERMAN INSURANCE CO.
Interest due and accrued, ....
Premiums in course of collection (gross),
Gross assets,
Deduct special deposits in other States, .
Balance,
Liabilities.
Losses adjusted, unpaid, . . . .
Losses claimed and reported, .
Unearned premiums on outstanding risks,
Commissions and brokerage, .
Gross liabilities, except capital,
Deduct liability on special deposits,
Surplus as regards policy-holders, .
Paid-up capital,
Surplus over capital,
Income.
$2,062 50
55,879 87
$5,660 51
22,030 93
299,145 83
1,390 64
$328,227 91
2.636 69
Fire premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed, .
Total,
Premiums now in course of collection, .
Entire premiums collected, . .
Less reinsurance and return premiums, .
Net cash fire premiums received, . . .
Interest received on mortgages, ....
Interest and dividends received from all other sources,
Income from rents,
Income from all other sources, ....
r ,531 29
537,941 89
$605,473 18
55,879 87
$549,593 31
167,243 71
$911,782 84
25,000 00
$886,782 84
$325,591 22
$561,191 62
200,000 00
$361,191 62
$382,349 60
16,879 09
8,658 85
10,473 13
9,962 61
Gross cash income, $428,323 28
Expenditures.
Cash paid for fire losses, $215,090 90
Deduct salvage and reinsurance, . . . 24,885 71
Net cash paid for fire losses, ....
Cash dividends paid,
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for incidentals,
Gross cash expenditures,
$190,205 19
20,000 00
87,203 87
28,128 18
13,232 33
32,974 21
$371,743 78
RUTGERS FIRE INSURANCE CO.
325
Fire risks outstanding Deo. 31, 1894,
Fire risks written during 1895,
Risks and Premiums.
Premiums.
,596,619 00 |724,012 33
46,829,172 00 537,941 89
Total,
Deduct risks expired and terminated,
In force at end of year,
Deduct amount reinsured,
Net amount in force, .
$111,425,791 00 $1,261,954 22
52,325,615 00 629,479 22
$59,100,176 00 $632,475 00
1,452,166 00 9,758 91
$57,648,010 00 $622,716 09
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company,
Fire losses incurred during the year, ....
Cash dividends declared from organization of company,
Dividends declared during the year (10 per cent.), .
Company's stock owned by directors, ....
$7,542,956 00
4,351,547 00
184,895 00
399,000 00
20,000 00
39,325 00
" RUTGERS FIRE INSURANCE COMPANY," NEW YORK, N. Y.
[Incorporated Oct. 3, 1853. Commenced business Oct. 10, 1853.]
Paid-up Capital, $200,000.
EDWARD B. FELLOWS, President. HENRY C. KREISER, Secretary.
Detailed Statement of Stocks and Bonds.
Par Value.
District of Columbia bonds, . . . $50,000 00
240 shares N. Y. Cen. & Hudson River R.R.,
300
466
300
50
187
Delaware, Lacka. & Western R.R.,
Delaware & Hudson Canal Co.,
Consolidated Gas Company, N. Y.,
Long Island Railroad,
Tradesmen's National Bank, N. Y.,
24,000 00
15,000 00
46,600 00
30,000 00
2,500 00
7,480 00
Market Value.
$57,000 00
24,000 00
24,000 00
58,250 00
44,700 00
2,200 00
7,480 00
$175,580 00 $217,630 00
Summary op Assets Dec. 31, 1895.
Cash value of unencumbered real estate, . $69,500 00
Loans on mortgage of real estate (first liens*), 28,700 00
Interest due or accrued thereon, . . . 350 83
Stocks and bonds, as per schedule, . . . 217,630 00
Cash in the office of the company, . . . 693 37
* Value of lands mortgaged, $44,500 00
Value of buildings thereon, 26,500 00
Amount of insurance held as collateral, .... 26,050 00
326
RUTGERS FIRE INSURANCE CO.
Cash deposited in bank, $17,782 84
Interest due and accrued, 1,751 43
Premiums in course of collection (gross), ; 14,467 51
Premiums more than three mos. due, $248 00
Gross assets,
Liabilities.
Losses adjusted, unpaid, $534 93
claimed and reported, .... 13,898 98
disputed or resisted, .... 2,000 00
Unearned premiums on outstanding risks, . 59,941 64
Due and accrued for rent, salaries, etc., . . 77 79
State and local taxes, . . ... 68 25
Commissions and brokerage, .... 2,967 04
Return premiums and reinsurance, . . . 1,765 63
Gross liabilities, except capital, —
Surplus as regards policy-holders, .
Paid-up capital, ....
Surplus over capital, .
Income
Fire premiums outstanding Dec. 31, 1894,
Same not collected, .
Net collected, . . . .
Premiums on risks written or renewed,
Total,
Premiums now in course of collection,
Entire premiums collected,
Less reinsurance and return premiums,
Net cash fire premiums received,
Interest received on mortgages,
Interest and dividends received from all other sources,
Income from rents, . . . .
Gross cash income,
$9,477 79
53 77
$9,424 02
121,138 03
$ 130,562 05
14,715 51
$115,846 54
14,559 15
$350,875 98
81,254 26
$269,621 72
200,000 00
,621 72
$101,287 39
1,680 00
9,926 39
2,285 00
$115,178 78
Expenditures.
Cash paid for fire losses,
Deduct salvage and reinsurance,
Net cash paid for fire losses, ....
Cash dividends paid,. ......
Cash paid for commissions and brokerage,
for salaries of officers and emplo3 7 ees,
for State and local taxes,
for incidentals, ....
Gross cash expenditures, . . .
$45,732 86
566 54
$45,166 32
16,000 00
23,129 22
11,603 31
2,636 86
6,211 18
$104,746 89
SECURITY INSURANCE CO.
327
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
Risks and Premiums.
Premiums.
$11,249,708 00 $118,356 50
11,271,918 00 121,138 03
Total,
Deduct risks expired and terminated,
In force at end of year, .
Deduct amount reinsured,
Net amount in force, .
$22,521,626 00 $239,494 53
10,698,337 00 117,077 60
$11,823,289 00 $122,416 93
216,919 00 2,068 51
$11,606,370 00 $120,348 42
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company,
Fire losses incurred during the year, ....
Cash dividends declared from organization of company,
Dividends declared during the year (8 per cent.), .
Company's stock owned by directors, ....
53,617,114 00
1,535,421 00
49,605 00
1,118,000 00
16,000 00
50,600 00
"SECURITY INSURANCE COMPANY OF NEW HA YEN,"
NEW HAVEN, CONN.
[Incorporated April, 1841. Commenced business April, 1841.]
Paid-tjp Capital, $200,000.
CHAS. S. LEETE, President. H. MASON, Secretary.
Detailed Statement of Stocks and Bonds.
Par Value. Market Value.
Tradesmen's Nat'l Bank, New Haven, stock, . $16,000 00 $22,720 00
Second National Bank, New Haven, stock, . 11,700 00 19,890 00
Merchants National Bank, New Haven, stock, 25,000 00 22,500 00
Yale National Bank, New Haven, stock, . . 17,800 00 21,004 00
New Haven National Bank, New Haven, stock, 21,000 00 35,700 00
New Haven Co. Nat'l Bank, New Haven, stock, 18,830 00 26,362 00
First National Bank, New Haven, stock, . . 13,300 00 18,620 00
American Exchange Nat'l Bank, N. Y., stock, 10,000 00 17,000 00
Western National Bank, New York, stock, . . 7,500 00 8,625 00
Southern New England Telephone Co., stock, 5,000 00 5,000 00
New York Steam Power Co. stock, . . . 2,500 00 1,543 33
Chicago, Rock Island & Pacific Railroad stock, 11,000 00 7,480 00
Cleveland, Cincinnati, Chicago & St. Louis R'y, 10,000 00 9,300 00
Macon (Ga.) Gas Light & Water Co. bonds, . 10,000 00 6,500 00
Minneapolis & St. Louis Railroad bonds, . 4,000 00 4,680 00
Savannah & Western Railroad bonds, . . 10,000 00 1,574 40
New York & New England Railroad bonds, . 28,000 00 32,970 00
New York, New Haven & Hartford Railroad, 5,000 00 6,800 00
328
SECURITY INSURANCE CO.
Columbus & Hocking Coal & Iron Co. bonds, .
Southern Railway bonds,
Southern New England Telephone Co. bonds,
City of Indianapolis bonds, ....
City of Omaha, Neb., bonds, ....
City of Superior, Wis., bonds, ....
Town of Wallingford bonds, ....
Securities held as collateral for cash loans : —
Merchants' Nat'l Bank, New Haven, stock,
Birmingham Natl Bank, Bir.,Conn., stock, .
N. Y. Economical Printing Co. stock,
Southern New Eng. Telephone Co. stock,
Morris & Essex Railroad Co. stock, .
City Bank, New Haven, stock, . .
Mechanics 1 Bank, New Haven, stock,
Merchants' Nat'LBank, New Haven, stock,
New Haven Water Co. stock, .
Mercantile S. D. Co., New Haven, stock, .
Par Value.
$10,000 00
10,000 00
6,000 00
8,650 00
10,000 00
10,000 00
8,500 00
Market Value.
f 8,000 00
9,100 00
6,050 00
8,650 00
10,800 00
10,000 00
8,500 00
$289,780 00 $329,368 73
Market Value.
$450 00
3,400 00
750 00
5,000 00 )
1,237 50 S
4,026 00^
390 00 |
450 00 }
1,515 00 j
600 00 J
Loaned Thereon.
$2,500 00
570 00
4,500 00
5,500 00
$17,818 50 $13,070 00
Summary of Assets Dec. 31, 1895.
Cash value of unencumbered real estate,
Loans on mortgage of real estate (first liens*),
Interest due or accrued thereon,
Stocks and bonds, as per schedule, .
Loans on collateral security, as per schedule,
Cash in the office of the company, .
Cash deposited in bank, ....
Interest due and accrued, . .
Premiums in course of collection (gross),
Notes taken for marine and inland risks,
Rents, etc., due and accrued,
Gross assets, . .
$78,600 00
132,145 00
1,988 94
329,368 73
13,070 00
148 37
64,401 92
587 96
78,973 04
4,120 21
77 a9
$703,481 56
Liabilities.
Losses adjusted, unpaid, .
claimed and reported,
disputed or resisted,
Total amount of losses,
Less reinsurance,
Net amount of unpaid losses,
$20,499 36
30,610 52
3,000 00
$54,109 88
13,111 84 •
$40,998 04
* Value of lands mortgaged, .
Value of buildings thereon,
Amount of insurance held as collateral,
$310,065 00
115,900 00
115,900 00
SECURITY INSURANCE CO.
329
Unearned premiums on outstanding risks,
Commissions and brokerage, .
Reinsurance,
Reinsurance disallowed, .
Gross liabilities, except capital,
Surplus as regards policy-holders, .
Paid-up capital, ....
Surplus over capital, .
$342,824 94
17,360 46
1,284 04
5,166 78
$107,634 26
$295,847 30
200,000 00
,847 30
Income.
Fire premiums outstanding Dec. 31, 1894,
Same not collected,
Net collected,
Premiums on risks written or renewed, .
Total,
Premiums now in course of collection, .
Entire premiums collected,
Less reinsurance and return premiums, .
Net cash fire premiums received,
Marine premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed, .
Total, . . . .
Premiums now in course of collection,
Entire premiums collected,
Less reinsurance and return premiums, .
Net cash marine premiums received,
Interest received on mortgages,
Interest and dividends received from all other sources,
Gross cash income,
$52,437 17
2,947 07
$49,490 10
618,062 40
$667,552
74,309
50
03
$593,243 47
132,993 53
$2,603
99,901
23
12
$102,504 35
4,664 01
$97,840 34
45,000 87
$460,249 94
52,839 47
7,073 92
16,959 35
$537,122 68
Expenditures.
Cash paid for fire losses,
Deduct salvage and reinsurance, . .
Net cash paid for fire losses, . . .
Cash paid for marine and inland losses, .
Deduct salvage and reinsurance,
Net cash paid for marine and inland losses, .
Cash dividends paid,
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
Gross cash expenditures, . . . .
$255,304 80
25,494 00
$95,620 50
42,848 19
$229,810 80
52,772 31
12,000 00
113,386 46
47,362 04
4,904 53
$460,236 14
330
SPRING GARDEN INSURANCE CO.
Risks and Premiums.
Fire risks outstanding Dee. 31, 1894,
Fire risks written during 1895,
Total,
Deduct risks expired and terminated,
In force at end of year,
Deduct amount reinsured,
Net amount in force, .
Marine risks outstanding Dec. 31, 1894,
Marine risks written during 1895, .
Total,
Deduct risks expired and terminated,
In force at end of year, . . .
Deduct amount reinsured,
Net amount in force, .
. $56,658,021 00
. 59,781,928 00
Premiums.
$571,816 52
618,062 40
$116,439,949 00 $1,189,878 92
499,413 72
• to,ouo,t;iw
. $67,631,390 00
. 4,604,369 00
. $63,027,021 00
. $504,715 00
. 5,050,876 00
. $5,555,591
. 5,051,571
00
00
. $504,020 00
138,670 00
. $365,350
00
$690,465 20
61,296 44
$629,168 76
$16,945 48
99,901 12
$116,846 60
100,311 31
$16,535 29
3,981 07
$12,554 22
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company, .
Fire losses incurred during the year, ....
Marine and inland losses incurred during the year,
Cash dividends declared from organization of company,
Dividends declared during the year (6 per cent.), .
Company's stock owned by directors, ....
$8,949,755 00
6,121,005 00
223,214 00
53,484 00
427,281 00
12,000 00
57,520 00
" SPRING GARDEN INSURANCE COMPANY," PHILADELPHIA, PA.
[Incorporated April 15, 1835. Commenced business Aug. 29, 1835.]
Paid-up Capital, $400,000.
CHAS. ROBERTS, President. CLARENCE E. PORTER, Secretary.
Detailed Statement of Stocks and Bonds.
Par Value. Market Value.
City of St. Joseph bonds $20,000 00 $22,200 00
Pittsburgh, Cin. & St. Louis R.R. bonds, . . 30,000 00 34,575 00
Lehigh Valley Railroad bonds, . . . 20,000 00 25,300 00
People's Passenger Railway bonds, . . . 10,000 00 11,800 00
Lehigh Coal & Navigation Company bonds, . 20,000 00 26,400 00
American Steamship Company bonds, . . 5,000 00 5,112 00
Terre Haute & Logansport Railroad bonds, . 20,000 00 21,400 00
SPRING GARDEN INSURANCE CO.
331
Cleve., Columbus, Cin. & Ind. R.R. bonds,
Jacksonville, Louisville & St. Louis R.R. bYls,
Columbus & Cincinnati Midland R.R. bonds,
Zanesville & Ohio River Railroad bonds,
Clearfield & Jefferson Railroad bonds, .
Jacksonville, Tampa & Key West R.R. bonds
Philadelphia & Reading Railroad bonds,
Penn. & New York Canal & R.R. bonds,
Allegheny Valley Railroad bonds, .
Philadelphia & Reading Railroad bonds, .
Robert H. Coleman bonds,
Bloomington City (111.) Railway bonds, .
Pennsylvania & Northwestern Railroad bonds
Bells Gap Railroad bonds,
Pennsylvania Steel Company bonds,
Camden & Atlantic Railroad bonds,
Sunbury, Hazelton & Wilkesbarre R'y bonds
Philadelphia & Reading Railroad bonds,
Wilmington & Northern Railroad bonds,
Camden, N. J., Horse Railroad bonds,
Rochester, N. Y., Railway bonds,
Phila., Reading & New England R.R. bonds,
Mortgage Trust Co. of Pennsylvania bonds,
200 shares Penn. National Bank of Phila.,
Oglethorpe Savings & Trust Co., Savannah
Ga., certificate,
Chicago & Western Ind. Railroad bonds,
Easton & Amboy Railroad bonds, .
Sanitary Dist. of Chicago, 111., bonds,
People's Passenger Railway Company bonds
International Navigation Co. of N. J. bonds,
Philadelphia & Reading Railroad bonds,
Northern Pacific R.R. & Land Grant bonds,
Cleveland Electric Railway Company bonds,
Bells Gap Railroad Company bonds,
Lehigh Valley Coal Company bonds,
Jacksonville Southeastern Railway Co. bonds
New York & Long Branch Railroad bonds,
Chamberlin Investment Co. (Denver), .
Steubenville & Indiana R.R. bonds,
St. Louis Merchants' 1 Bridge Term. R'y, •
Baltimore Traction Co. bonds,
Schuylkill River East Side Railroad bonds,
Lehigh Valley Railway Co. N. Y. bonds,
United Gas Improvement Co. bonds,
Electric & People's Traction certificates,
Buffalo Railway Co. bonds,
Par Value.
$10,000 00
21,000 00
20,000 00
10,000 00
15,000 00
10,000 00
24,000 00
10,000 00
20,000 00
10,000 00
5,000 00
27,000 00
25,000 00
15,000 00
10,000 00
10,000 00
10,000 00
15,000 00
25,000 00
15,000 00
10,000 00
30,000 00
25,000 00
, 10,000 00
10,000 00
15,000 00
10,000 00
10,000 00
20,000 00
10,000 00
10,000 00
10,000 00
5,000 00
5,000 00
5,000 00
7,000 00
10,000 00
6,000 00
5,000 00
10,000 00
20,000 00
3,000 00
5,000 00
10,000 00
30,400 00
5,000 00
Market Value.
$12,500 00
10,500 00
15,000 00
1,500 00
17,250 00
8,000 00
23,760 00
10,900 00
25,800 00
10,525 00
5,000 00
8,100 00
25,500 00
17,250 00
10,300 00
11,800 00
10,700 00
13,500 00
26,250 00
15,750 00
10,450 00
12,000 00
25,000 00
17,000 00
6,000 00
17,250 00
10,875 00
10,800 00
18,500 00
10,150 00
10,400 00
11,450 00
5,175 00
5,500 00
5,100 00
7,000 00
11,400 00
1,800 00
5,550 00
10,100 00
20,400 00
3,270 00
5,150 00
10,600 00
20,824 00
5,250 00
$728,400 00 $703,666 00
332
SPRING GARDEN INSURANCE CO.
Securities held as collateral for cash loans : —
Lehigh Valley Railroad bonds,
Phila , Reading & New England R.R. bonds, .
Cohansey Glass Manuf. Co. (N. J.) scrip,
33 shares Cohansey Glass Manuf. Co., N. J., .
Market Value. Loaned Thereon.
f 15,180 00 $13,500 00
6,630 00^
3,400 00 > 12,000 00
3,300 00 )
$28,510 00 $25,500 00
Summary of Assets Dec. 31, 1895
Cash value of unencumbered real estate,
st liens*)
Loans on mortgage of real estate (fir
Interest due or accrued thereon,
Stocks and bonds, as per schedule,
Loans on collateral security, as per
Cash in the office of the company,
Cash deposited in bank, . *
Interest due and accrued, .
Premiums in course of collection (g
Notes taken for fire risks,
Rents due and accrued,
Reclaimable on perpetual policies,
Premiums more than three mos. due, $316 13
Gross assets,
schedule,
ross) ,
$338,800 00
190,150 00
3,952 02
703,666 00
25,500 00
2,011 53
28,433 15
808 33
107,204 20
420 00
800 83
225 00
$1,401,971 06
Liabilities.
Losses adjusted, unpaid, .
claimed and reported, .
disputed or resisted,
Total amount of losses, . .
Less reinsurance, ....
Net amount of unpaid losses, .
Unearned premiums on outstanding risks
Reclaimable on perpetual fire policies,
Due and accrued for rent, salaries, etc.,
State and local taxes,
Commissions, brokerage, etc., .
Reinsurance disallowed, .
Gross liabilities, except capital,
Surplus as regards policy-holders, .
Paid-up capital, ....
Surplus over capital, .
$14,204 70
34,885 45
6,789 67
$55,879 82
6,567 58
),312 24
348,981 91
377,006 49
1,564 75
1,680 00
47,118 21
34,501 26
860,164 86
$541,806 20
400,000 00
$141,806 20
* Total value of property mortgaged,
Amount of insurance held as collateral,
$349,275 00
182,850 00
SPRING GARDEN INSURANCE CO.
333
Income.
Fire premiums outstanding Dec. 31, 1894,
Same not collected, ....
Net collected, ....
Premiums on risks written or renewed,
Total,
Premiums now in course of collection,
Entire premiums collected,
Less reinsurance and return premiums,
Net cash 'fire premiums received,
Interest received on mortgages,
Interest and dividends received from all other
Income from rents, ....
Income from all other sources,
Deposits received for perpetual fire risks,
Gross cash income, .
$49,062 28
98 16
*,964 12
677,671 85
|726,635 97
107,520 33
$619,115 64
161,157 37
sources,
),439 22
$457,958 27
13,120 45
33,026 20
3,349 08
1,011 27
,465 27
Expenditures.
Cash paid for fire losses, ....
Deduct salvage and reinsurance,
Net cash paid for fire losses, .
Cash dividends paid, ....
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes, .
for incidentals, ....
for expenses on real estate,
Deposits returned on perpetual fire risks,
Gross cash expenditures, .
$274,248 20
44,770 29
$10,368 47
$229,477 91
32,000 00
102,237 13
18,277 24
18,605 71
32,628 62
1,929 78
$435,156 39
Risks and Premiums.
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
Total,
Deduct risks expired and terminated,
In force at end of year, .
Deduct amount reinsured,
Net amount in force, .
Perpetual risks in force (not included
above),
.$55,561,054 00
. 66,708,079 00
$122,269,133 00
50,659,625 00
.$71,609,508 00
. 8,340,321 00
. $63,269,187 00
$17,368,905 00
Premiums.
$622,976 43
677,671 85
1,300,648 28
566,136 40
$734,511 88
95,087 52
$639,424 36
$413,340 54
334
ST. PAUL FIRE AND MARINE INSURANCE CO.
Miscellaneous.
Losses paid from organization of company, .
Fire losses incurred during the year, ....
Cash dividends declared from organization of company,
Dividends declared during the year (8 per cent.), .
Company's stock owned by directors, ....
$3,765,263 00
231,007 00
1,801,215 00
32,000 00
65,800 00
"ST. PAUL FIRE AND MARINE INSURANCE COMPANY,"
ST. PAUL, MINN.
[Incorporated May, 1865. Commenced business May, 1865.]
Paid-up Capital, $500,000.
C. H. BIGELOW, President. A W. PERRY, Secretary.
Detailed Statement of Stocks and Bonds.
Par Value. Market Value.
320 shares First National Bank, St. Paul, . $32,000 00 $76,800 00
500 " Merchants National Bank, St. Paul, 50,000 00 95,000 00
50 " Second National Bank, St. Paul, . 5,000 00 13,400 00
130 " Bank of Minnesota, St. Paul, . . 13,000 00 16,900 00
332 " St. Paul National Bank, St. Paul, . 33,200 00 29,880 00
45 " First National Bank, Alexandria, . 4,500 00 5,850 00
60 " Flour City Nat'l B'k, Minneapolis, . 6,000 00 6,000 00
50 " St. Paul Trust Co., St. Paul, . . 5,000 00 3,750 00
50 " West Publishing Co., St. Paul, . 2,500 00 3,750 00
30 " First National Bank, St. Peter, . 3,000 00 4,050 00
50 " First National Bank, Stillwater, . 5,000 00 7,250 00
45 " Northwestern N'l B'k, Minneapolis, 4,500 00 6,750 00
125 " First National Bank, Minneapolis, . 12,500 00 12,500 00
60 " American Exchange Bank, Duluth, 6,000 00 10,500 00
100 " First National Bank, Duluth, . . 10,000 00 12,500 00
50 " Northwestern Nat'l B'k, Superior, . 5,000 00 5,000 00
40 " Pioneer Press Co., . . . . 2,000 00 1,500 00
100 " North American Telegraph Co., . 10,000 00 10,000 00
State of Georgia bonds, 25,000 00 28,750 00
Chic, St. Paul, Minneapolis & Omaha R'y b'ds, 50,000 00 62,000 00
C. N. Nelson Lumber Co., Minnesota, bonds, . 10,000 00 10,000 00
City of Faribault, Minn., bonds, . . . 25,000 00 25,000 00
City of Jordan, Minn., bonds, .... 33,000 00 33,000 00
Town of Vernon Centre, Minn., bonds, . . 3,000 00 3,000 00
Town of Jo Davies, Minn., bonds, . . . 5,500 00 5,500 00
Town of Elmore, Minn , bonds, . . . 6,500 00 6,500 00
Town of Garden City, Minn., bonds, . . 500 00 500 00
Town of Winnebago City, Minn., bonds, . . 10,000 00 10,000 00
Village of Winnebago City, Minn., bonds, . 5,000 00 5,000 00
Town of Pilot Grove, Minn., bonds, . . . 5,000 00 5,000 00
Town of Mazeppa, Minn., bonds, . . . 5,000 00 5,000 00
Town of Blue Earth City, Minn., bonds, . . 36,000 00 36,000 00
ST. PAUL FIRE AND MARINE INSURANCE CO.
335
County of Pine, Minn., bonds, ....
County of Rock, Minn., bonds, ....
County of Dawson, Mont., bonds,
County of Kidder, N. D., bonds,
County of Barnes & Cass, N.D., School Dist. b'ds,
County of Carver, Minn., School Dist. bonds, .
School Dist. 11, Big Stone County, Minn., b'ds,
County of Jerauld, S. D., School Township b'ds,
County of Barnes & Cass, N.D., School Dist. b'ds,
Securities held as collateral for cash loans : -
100 shares Merchants N'l B'k, St. Paul,*Minn.,
65 " Bank of Minnesota, St. Paul, Minn.,
471 " Savings Bank, St. Paul, Minn.,
54 " Minn. Land and Investment Co., .
77 " Minneapolis Union Elevator Co , .
295 " Farwell, Ozmun, Kirk & Co., stock,
St. Paul, ,
200 " Lake Superior Elevator Co. stock,
Duluth, and real estate deed,
300 " North American Telegraph Co.,
50 " First Nat'l B'k, Little Falls, Minn.,
70 " Strong-Hackett Hardware Co.,
75 " Rutland Co. N'l B'k, Rutland, Vt., .
65 " First Nat'l Bank of Pembina, N. D.,
30 " St. Paul Title Ins. and Trust Co., .
124 " Pioneer Press Co , St. Paul, Minn., .
Little Falls, Minn., Electric and Water Co. b'ds,
Little Falls, Minn., Water Power Co.,
500 shares Spring Valley Coal Co.,
500 " St. Paul Foundry Co.,
5 " St. Paul National Bank,
10 " West Side Bank, .
10 " Germania Bank,
Par Value.
$4,500 00
24,000 00
1,500 00
9,000 00
8,000 00
3,500 00
3,000 00
1,200 00
2,100 00
Market Value.
84,500 00
24,000 00
1,500 00
9,000 00
8,000 00
3,500 00
3,000 00
1,200 00
2,100 00
$485,500 00 $613,430 00
Market Value. Loaned Thereon.
$19,000 00
8,450 00
65,940 00
16,200 00
10,010 00
$13,000 00
4,900 00
60,600 00
11,000 00
8,500 00
32,450 00 19,700 00
15,800 00
30,000 00
7,500 00
7,000 00
10,500 00
7,150 00
3,000 00
4,650 00
31,500 00
22,500 00
37,500 00
25,000 00
450 00
1,000 00
1,000 00
}
7,500 00
24,000 00
5,000 00
2,500 00
7,500 00
5,500 00
2,400 00
3,200 00
25,000 00
11,606 03
36,000 00
1,600 00
$356,600 00 |249,506 03
SUMMAKY OF ASSETS DEC. 31, 1895.*
Cash value of unencumbered real estate, . ■ $458,827 19
Loans on mortgage of real estate (first liensf), 508,899 93
Stocks and bonds, as per schedule, . . . 613,430 00
* The company holds, also, instalment premium notes to the amount of $2,225.01 which do
not enter into nor form any part of the assets of the company, as no portion of them is earned.
Whatever value is attached to them would necessarily be counterbalanced by the addition of an
amount exactly equal to the reinsurance liability, the entire sum consisting of " unearned pre-
miums."
f Value of lands mortgaged, $719,732 00
Value of buildings thereon, 535,718 00
Amount of insurance held as collateral, . . . 428,575 00
336
ST. PAUL FIRE AND MARINE INSURANCE CO.
Loans on collateral security, as per schedule,
Cash in the office of the company, .
Cash deposited in bank, ....
Premiums in course of collection (gross),
Notes taken for marine and inland risks,
Gross assets,
Deduct special deposits in other States, .
Balance,
$249,506 03
10,887 57
105,435 34
190,110 37
27,863 01
$2,164,959 44
28,750 00
$2,136,209 44
Liabilities.
Losses adjusted, unpaid, .
claimed and reported, .
disputed or resisted,
Total amount of losses, .
Less reinsurance, ....
Net amount of unpaid losses, .
Unearned premiums on outstanding risks
Commissions and brokerage, .
Reinsurance disallowed, .
Gross liabilities, except capital,
Deduct liability on special deposits,
Surplus as regards policy-holders, .
Paid-up capital, ....
Surplus over capital, .
$32,558 38
78,017 22
13,333 50
$123,909 10
4,856 98
$119,052 12
885,933 64
28,516 55
26,566 80
1,060,069 11
16,711 82
1,043,357 29
11,092,852' 15
500,000 00
$592,852 15
Income.
Fire premiums outstanding Dec. 31, 1894, -. $162,723 76
Premiums on risks written or renewed, . . 1,375,145 53
Total, ........ $1,537,869 29
Premiums now in course of collection, . . 190,110 37
Entire premiums collected, .... $1,347,758 92
Less reinsurance and return premiums, . . 225,934 31
Net cash fire premiums received, . . . ■$ 1,121,824 61
Marine premiums outstanding Dec. 31, 1894, . $ 26,556 67
Premiums on risks written or renewed, . . 223,183 79
Total, $249,740 46
Premiums now in course of collection, . . 27,863 01
Entire premiums collected, .... $221,877 45
Less reinsurance and return premiums, . . 27,893 50
Net cash marine premiums received, . . 193,983 95
ST. PAUL FIRE AND MARINE INSURANCE CO.
;37
Interest received on mortgages,
Interest and dividends received from all other sources, .
Income from rents,
$38,412 49
67,157 75
8,492 53
Gross cash income, $1,429,871 33
Expenditures.
Cash paid for fire losses,
Deduct salvage and reinsurance,
Net cash paid for fire losses, ....
Cash paid for marine and inland losses, .
Deduct salvage and reinsurance,
Net cash paid for marine and inland losses, .
Cash dividends paid,
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,.
for incidentals,
Gross cash expenditures, ....
$081,559 53
28,969 50
$173,792 79
25,517 34
$652,590 03
148,275 45
50,000 00
283,307 33
63,553 43
27,581 61
82,076 43
. $1,307,384 28
Risks and Premiums.
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
Total, ......
Deduct risks expired and terminated,
In force at end of year,
Deduct amount reinsured,
Net amount in force, .
Marine risks outstanding Dec. 31, 1894,
Marine risks written during 1895, .
Total,
Deduct risks expired and terminated,
In force at end of year,
$124,536,919 00
91,698,308 00
$216,235,227 00
85,525,079 00
$130,710,148 00
5,228,040 00
Premiums.
^,674,258 62
1,375,145 53
53,049,404 15
1,301,612 50
11,747,791 65
70,553 72
125,482,108 00 $1,677,237 93
$3,026,116 00
20,338,504 00
$23,364,620 00
19,865,555 00
$108,289 73
223,183 79
$331,473 52
212,764 88
$3,499,065 00 $118,708 64
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company, .
Fire losses incurred during the year, ....
Marine and inland losses incurred during the year,
Cash dividends declared from organization of company,
Dividends declared during the year (10 per cent.),
Company's stock owned by directors,
$19,741,523 00
12,568,550 00
611,799 00
148,719 00
1,246,694 00
50,100 00
180,300 00
338
TRADERS INSURANCE CO,
"TRADERS 1 INSURANCE COMPANY," CHICAGO, ILL.
[Incorporated February, 1865. Commenced business May, 1872.]
Paid-up .Capital, $500,000.
E. BUCKINGHAM President. R. J. SMITH, Secretary.
Detailed Statement of Stocks and Bonds.
• Par Value. Market Value.
United States bonds, $150,000 00 $163,500 00
Chicago Packing & Provision Co. bonds, . . 25,000 00 25,000 00
Chic. & South Side Rapid Transit R.R. Co. bd's, 45,000 00 18,000 00
American Exchange National Bank stock, . 25,000 00 25,000 00
National Bank of America stock, . . . 30,000 00 37,800 00
Union National Bank stock, . . . ' . 20,000 00 22,000 00
Continental National Bank stock, . . . 32,500 00 40,950 00
Corn Exchange Bank stock, . . . ' . 10,000 00 26,000 00
Chicago & Northwestern Railway stock, . 65,000 00 76,250 00
Chicago & Alton Railroad stock, . . . 25,000 00 40,000 00
Chicago City Railway stock, .... 150,000 00 450,000 00
Chicago West Division Railway stock, . . 6,800 00 40,800 00
West Chicago Street Railroad stock, . . 11,500 00 12,650 00
North Chicago City Railway stock, . . . 5,000 00 25,000 00
North Chicago Street Railroad stock, . . 50,000 00 152,000 00
National Railway stock, 56,700 00 62,370 00
Davenport & Rock Island Railroad stock, . 10,000 00 10,000 00
Central Music Hall stock, .... 2,200 00 7,700 00
Town of Cicero warrants, . . . . 9,842 97 9,039 55
Mutual Fuel Gas Co. stock, .... 13,600 00 17,000 00
Chicago, Milwaukee & St. Paul R'y stock, . 20,000 00 25,600 00
Chicago Leasehold Trustees stock, . . . 25,000 00 26,250 00
Universal Gas Association stock, . . . 5,440 00 5,440 00
Securities held as collateral for cash loans'
Chicago Auditorium Association bonds, .
500 shares Chicago Herald Company,
150 shares Congress Hotel Company,
|793,582 97 $1,318,349 55
Market Value. Loaned Thereon.
$25,000 00
50,000 00
1,500 00
|22,500 00
25,000 00
f76,500 00 $47,500 00
Summary of Assets Dec. 31, 1895.
Cash value of unencumbered real estate, . $6,312 37
Loans on mortgage of real estate (first liens*), 223,550 00
Interest due or accrued thereon, . . . 3,929 97
Stocks and bonds, as per schedule, . . . 1,318,349 55
Loans on collateral security, as per schedule, . 47,500 00
Cash in the office of the company, . . . 1,465 05
* Value of lands mortgaged,
Value of buildings thereon,
Amount of insurance held as collateral,
$278,113 00
287,229 00
207,046 00
traders' INSURANCE CO.
339
Cash deposited in bank, ....
Interest due and accrued, ....
Premiums in course of collection (gross),
Reinsurance due,
Premiums more than three mos. due, $532 63
Gross assets,
Liabilities.
Losses adjusted, unpaid, ....
claimed and reported, .
disputed or resisted,
Total amount of losses, ....
Less reinsurance,
Net amount of unpaid losses, .
Unearned premiums on outstanding risks,
Commissions and brokerage, .
Bills payable, ......
Reinsurance disallowed, . . .
Gross liabilities, except capital,
Surplus as regards policy-holders, .
Paid-up capital,
$72,351 85
5,862 50
52,453 43
15,485 10
$1,747,259 82
822,636 16
51,466 32
21,465 90
$95,568 38
6,919 56
$88,648 82
462,003 75
7,286 94
10,326 40
25,410 40
593,676 31
. $1,153,583 51
500,000 00
Surplus over capital, ....
Income.
Fire premiums outstanding Dec. 31, 1894, . $57,457 17
Premiums on risks written or renewed, . . 833,694 10
Total, $891,151 27
Premiums now in course of collection, . . 52,986 06
Entire premiums collected, .... $838,165 21
Less reinsurance and return premiums, . . 168,785 28
Net cash fire premiums received, . . .
Interest received on mortgages, . . , .
Interest and dividends received from all other sources, .
$653,583 51
$669,379 93
14,706 17
56,644 43
Gross cash income, $740,730 53
Expenditures.
Cash paid for fire losses, . . . .
Deduct salvage and reinsurance,
Net cash paid for fire losses, .
Cash dividends paid, ......
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for incidentals, ....
$387,588 45
28,546 22
$359,042 23
50,000 00
107,048 10
57,612 00
19,162 37
50,672 08
Gross cash expenditures, .
$643,536 78
340
UNION INSURANCE CO.
Risks and Premiums.
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
Total,
Deduct risks expired and terminated,
In force at end of year, .
Deduct amount reinsured,
Net amount in force, . .
.$58,271,088 00
. 57,040,874 00
$115,311,962 00
49,931,262 00
. $65,380,700 00
. 3,907,952 00
Premiums.
$886,542 72
833,694 10
,720,236 82
751,083 95
$969,152 87
57,859 52
4,472,748 00 $911,293 35
Miscellaneous.
Premiums received from organization of company, .
Losses paid from organization of company, .
Fire losses incurred during the year, ....
Cash dividends declared from organization of company,
Dividends declared during the year (10 per cent.),
Company's stock owned by directors, ....
$10,980,039 00
6,816,347 00
360,945 00
1,172,500 00
50,000 00
122,200 00
"UNION INSURANCE COMPANY OF PHILADELPHIA,"
PHILADELPHIA, PA.
[Incorporated Feb. 6, 1804. Commenced business July 25, 1803.]
Paid-up Capital, $200,000.
CHAS S. HOLLINSHEAD, President. E. R. DANNELS, Secretary.
Detailed Statement of Stocks and Bonds.
Par Value. Market Value.
United States bonds, $10,000 00 $11,350 00
Baltimore & Ohio R.R. bonds, .... 25,000 00 29,750 00
Susquehanna Coal Co. bonds 10,000 00 11,850 00
American Steamship Co. bonds, . . , 6,000 00 6,150 00
Steubenville & Indiana R.R. bonds, . . . 15,000 00 16,650 00
Chesapeake & Delaware Canal Co. bonds, , 15,000 00 7,800 00
Philadelphia & Reading R.R. Co. bonds, . . 56,329 00 55,630 52
New York Car Trust bonds 20,000 00 20,000 00
Shamokin, Sunbury & Lewisburg R.R. bonds, 4,000 00 4,120 00
Perkiomen R.R. Co. bonds, .... 13,000 00 13,130 00
Huntingdon & Broad Top Car Trust bonds, , 10,000 00 10,000 00
Sunbury & Lewistown Railway Co. bonds, . 7,000 00 7,280 00
Lehigh Valley R.R. Co. bonds,. . . . 10,000 00 12,650 00
North Pennsylvania R.R. Co. bonds, . . 2,000 00 2,280 00
Hestonville, Mantua & Fair. Pass. R.R. bonds, 20,000 00 22,200 00
People's Passenger Railway Co. bonds, . . 11,000 00 11,935 00
Lehigh Coal & Navigation Co. bonds, . . 10,000 00 10,350 00
Cincinnati, Dayton & Ironton R."R. bonds, , 5,000 00 5,350 00
Terminal R.R. Asso. of St. Louis bonds, . , 5,000 00 5,150 00
Atlantic City R.R Co. bonds, .... 6,000 00 6,180 00
Union Traction Co. trust certificates, . . 5,000 00 3,425 00
UNION INSURANCE CO.
ill
100 shares Little Schuylkill R.R. Co.,
200
136
48
88
68
88
100
100
Pennsylvania R.R. Co., .
North Pennsylvania R.R. Co.,
Delaware R.R. Co., .
Delaware Insurance Co., .
Philadelphia National Bank, .
Farmers and Mechanics Nat'l Bank
Philadelphia Traction Co.,
13th & 15th Streets Pass. R'y Co.,
Securities held as collateral for cash loans : —
25 shares Corn Exchange National Bank,
14 shares Common w'th Title Ins. & Trust Co.,
United N. J. Railroad & Canal Company,
22 shares Commonw'th Title Ins & Trust Co.,
10 " Pennsylvania Fire Insurance Co.,
5 " American Fire Insurance Company,
3 " Reliance Insurance Company, .
2 " Penns} r lvania Railroad bonds, .
Philadelphia & Reading Railroad bonds,
Missouri, Kansas & Texas Railway Co. bonds,
Par Value.
$5,000 00
10,000 00
6,800 00
1,200 00
2,200 00
6,800 00
8,800 00
5,000 00
5,000 00
Market Value.
$6,425 00
10,400 00
11,424 00
1,488 00
2,112 00
12,784 00
9,680 00
6,525 00
22,750 00
$316,129 00 $356,818 52
Market Value. Loaned Thereon.
$2,000 00
959 00
5,550 00
1,507 00
3,150 00
535 00
165 00
104 00
815 00 ;
1,660 00
$1,500 00
5,000 00
)> 5,000 00
1,000 00
$16,445 00 $12,500 00
Summary of Assets Dec
Cash value of unencumbered real estate,
Loans on mortgage of real estate (first liens*)
Interest due or accrued thereon,
Stocks and bonds, as per schedule, .
Loans on collateral security, as per schedule,
Cash in the office of the company, .
Cash deposited in bank, ....
Interest due and accrued, ....
Premiums in course of collection (gross),
Notes taken for fire risks,
Rents due and accrued, ....
Perpetual insurance deposit, .
Gross assets,
31, 1895.
$160,000 00
9,900 00
97 50
356,818 52
12,500 00
3,583 30
22,937 76
1,270 84
58,709 63
1,000 00
451 87
742 50
$628,011 92
Liabilities.
Losses adjusted, unpaid, ....
claimed and reported, .
disputed or resisted,
$9,357 97
24,232 43
2,525 00
Total amount of losses,
Less reinsurance, . . • . .
$36,115 40
115 66
Net amount of unpaid losses, .
$35,999 74
* Total value of property mortgaged,
$16,000 00
342
UNION INSURANCE CO.
Unearned premiums on outstanding risks,
Reclaimable on perpetual fire policies,
Dividends to stockholders unpaid, .
Commissions and brokerage,
Miscellaneous, . . ...
Gross liabilities, except capital,
Surplus as regards policy-holders, .
Paid-up capital, ....
Surplus over capital, . ,
$215,478 88
34,019 36
1,399 97
12,417 97
32 21
$299,348 13
$328,663 79
200,000 00
$ 128,663 79
Income.
Fire premiums outstanding Dec. 31, 1894,
Same not collected,
$62,000 80
174 36
Net collected, .....
Premiums on risks written or renewed, .
$61,826 44
396,436 08
Premiums now in course of collection,
$458,262 52
59,709 63
Entire premiums collected,
Less reinsurance and return premiums, .
Net cash fire premiums received,
Interest received on mortgages,
Interest and dividends received from all other
$398,552 89
62,530 36
sources, .
Income from rents,
Salvage recovered from old marine losses,
Deposits received for perpetual fire risks,
■ •••
$1,108 58
$336,022 53
495 00
16,565 97
5,739 22
35,994 90
$394,817 62
Expenditures.
Cash paid for fire losses, $148,418 39
Deduct salvage and reinsurance, . . . 2,357 33
Net cash paid for fire losses, ....
Cash paid for marine and inland losses, . .
Cash dividends paid,
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for incidentals,
for expenses on real estate,
Deposits returned on perpetual fire risks, . $476 25
$146,061 06
• 34 50
6,244 20
62,619 46
30,836 66
9,130 76
27,016 63
3,917 81
Gross cash expenditures,
$285,861 08
UNITED FIREMEN'S INSURANCE CO.
343
Risks and Premiums.
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
Total,
Deduet risks expired and terminated,
In force at end of year,
Deduet amount reinsured,
$35,244,207 00
. 38,090,775 00
Premiums.
$396,014 55
390,436 08
$73,334,982 00 $792,450 63
. 34,811,824 00 361,614 32
$38,523,158 00 $430,836 31
854,661 00 9,257 86
Net amount in force, .... $37,668,497 00 $421,578 45
Perpetual risks in force (not included above), $1,273,028 00 $37,799 29
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company,
Fire losses incurred during the year, ....
Cash dividends declared from organization of company,
Dividends declared during the year (3 per cent), .
Company's stock owned by directors, ....
$23,679,778 00
16,907,406 00
145,859 00
1,882,221 00
6,000 00
25,080 00
"UNITED FIREMEN'S INSURANCE COMPANY OF PHILADELPHIA,"
PHILADELPHIA, PA.
[Incorporated April 2, 1860. Commenced business April 1, 1861.]
Paid-up Capital, $300,000.
ROBERT B. BEATEI, President. DENNIS J. SWEENY, Secretary.
Detailed Statement of Stocks and Bonds.
Par Value. Market Value.
Northern Central Railroad bonds, . . . $10,000 00 $11,700 00
Chicago & Western Indiana Railroad bonds, . 10,000 00 11,900 00
Zanesville & Ohio Railroad bonds, . . . 10,000 00 1,500 00
Jacksonville, Tampa & Key West R.R. bonds, 10,000 CO 7,000 00
Toledo Belt Line Railway bonds, . . . 10,000 00 10,000 00
McKeesport & Belle Vernon R.R. bonds, . 10,000 00 12,500 00
Atlantic City Railroad bonds 20,000 00 20,600 00
Lehigh Valley Railway bonds, . . . . 20,000 00 20,400 00
Philadelphia & Reading Railroad bonds, . 10,000 00 10,400 00
The Mortgage Trust Company of Penn. bonds, 10,000 00 10,000 00
The Real Estate Title Ins. and Trust Co. b\ls, 20,000 00 20,000 00
City of Woonsocket, Dakota, bonds, . . 6,000 00 6,000 00
199 shares Union Passenger Railway, . . * 9,950 00 40,795 00
200 shares Continental Passenger Railway, . 20,000 00 25,800 00
344
UNITED FIREMEN S INSURANCE CO.
Penn. & New York Canal and Railroad bonds,
Car Trusts of New York. ....
Evansville & Terre Haute Railroad bonds,
Columbus & Cincinnati Midland RR, bonds,
People's Passenger Railway certificates, .
Philadelphia & Baltimore R R. certificates,
Newark Passenger Railway Company bonds,
Philadelphia Traction Company trust bonds,
Second Ave. Traction Co of Pittsburgh bonds
Pittsburgh, Cincinnati & St. Louis bonds,
Electric & People's Traction certificates, .
154 shares Union Traction Co. of Philadelphia,
Securities held as collateral for cash loans : —
es 13th & 15th Sts. Passenger R'y,
Bucks Co. (Pa.) Trust Co., .
New Hope Delaware Bridge Co., .
Title Guarantee and Trust Co., N.Y.,
Real Estate, Title Ins. and Trust Co.,
Record Publishing Co , Phila.,
Chestnut Street National Bank,
Metropolitan Traction Co., N. Y., .
Baltimore Traction Co., .
Consolidated Traction Co., N. J., .
United Gas Improvement Co , Phila.,
Philadelphia Traction Co., Phila., .
Duquesne Traction Co., .
Par Value.
$20,000 00
16,000 00
10,000 00
8,000 00
15,000 00
10,000 00
10,000 00
10,000 00
15,000 00
10,000 00
15,200 00
770 00
Market Value-
$19,000 00
15,200 00
8,000 00
6,000 00
13,950 00
10,000 00
10,500 00
10,200 00
15,450 00
11,600 00
11,096 00
1,694 00
$315,920 00 $341,285 00
50 shar
20
(4
12
It
10
46
50
It
100
((
100
Ci
200
l(
200
ti
200
K
200
tl
200
it
100
(t
Market Value.
$11,375 00^
2,500 00 j
1,500 00 j
1,600 00 j
6,075 00
12,000 00 )
11,000 00 S
20,000 00^
3,400 00 I
4,400 00 [
16,200 00
13,000 00
3,400 00 )
$106,450 00
Loaned Thereon.
$9,000 00
5,000 00
15,000 00
50,000 00
$79,000 00
Summary of Assets Dec. 31, 1895.
Cash value of unencumbered real estate,
Loans on mortgage of real estate (first liens*),
Interest and ground rents due or accrued
thereon,
Stocks and bonds, as per schedule, .
Loans on collateral security, as per schedule,
Cash in the office of the company, .
Cash deposited in bank, ....
Interest due and accrued, ....
Premiums in course of collection (gross),
Notes taken for fire risks, ....
Rents clue and accrued, . . .
Perpetual insurance deposits, etc., .
Gross assets,
$ 138,350 00
680,953 94
14,164 53
311,285 00
79,000 00
3,864 94
64,287 76
1,073 74
38,259 12
570 00
94 66
6,726 27
$1,368,629 96
* Total value of property mortgaged, .
Amount of insurance held as collateral,
$1,412,875 00
. 486,366 00
UNITED FIREMEN'S INSURANCE CO.
345
Liabilities.
Losses adjusted, unpaid, ....
claimed and reported, .
disputed or resisted,
Unearned premiums on outstanding risks,
Reclaimable on perpetual fire policies, .
Due and accrued for rent, salaries, etc., .
State and local taxes, ....
Commissions and brokerage, .
Return premiums,
Reinsurance due, .....
Reinsurance disallowed, ....
Gross liabilities, except capital,
Surplus as regards policy-holders, .
Paid-up capital,
Surplus over capital, ....
$8,161 59
18,703 12
7,270 47
191,596 00
667,596 11
577 50
3,872 78
6,711 69
2,992 38
2,057 37
641 77
,180 78
$458,449 18
300,000 00
$158,449 18
Income.
Fire premiums outstanding Dec. 31, 1894,
Same not collected,
Net collected,
Premiums on risks written or renewed, .
Total,
Premiums now in course of collection,
,931 84
2 50
$56,929 34
316,695 31
$103,624 65
38,259 12
Entire premiums collected, .... $365,365 53
Less reinsurance and return premiums, . . 74,899 69
Net cash fire premiums received,
Interest received on mortgages and ground rents, .
Interest and dividends received from all other sources, .
Income from transfers,
Deposits received for perpetual fire risks, . $34,229 53
Gross cash income,
$290,465 84
34,681 09
22,304 48
228 54
$347,679 95
Expenditures.
Cash paid for fire losses, .....
Cash dividends paid,
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for incidentals,
Deposits returned on perpetual fire risks,
Gross cash expenditures, . , • »
$16,400 74
$167,943 45
27,000 00
57,484 03
20,223 14
7,807 62
23,254 40
$303,712 64
346
UNITED STATES FIRE INSURANCE CO.
Risks and Premiums.
$35,414,462 00
30,714,577 00
$66,129,039 00
29,036,064 00
Premiums.
1419,584 40
346,695 31
,279 71
345,709 24
Fire risks outstanding Dec. 31, 1894,
Fire risks written during; 1895,
Total,
Deduct risks expired and terminated,
In force at end of year, .
Deduct amount reinsured,
Net amount in force, . . . .$32,997,485 00 $368,13117
Perpetual risks in force (not included above), . $32,381,904 00 $738,162 27
$37,092,975 00
4,095,490 00
$420,570 47
52,439 30
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company,
Fire losses incurred during the year, ....
Cash dividends declared from organization of company,
Dividends declared during the year (9 per cent.), .
Company's stock owned by directors, .
$3,790,894 00
2,312,569 00
169,039 00
383,506 00
27,000 00
88,310 00
"UNITED STATES FIRE INSURANCE COMPANY, 1 '
NEW YORK, N. Y.
[Incorporated April 1, 1824. Commenced business April 9, 1824.]
Paid-dp Capital, $250,000.
W. W. UNDERHILL, President. W. H. G-RIFFEN, Secretary.
Detailed Statement of Stocks and Bonds.
Par Value. Market Value.
United States bonds, $187,000 00 $200,950 r0
Rensselaer & Saratoga Railroad stock, . . 17,800 00 32,040 00
New York Central & Hudson River Railroad, 15,000 00 14,700 00
$219,800 00 $247,690 00
Summary of Assets Dec
31, 1895.
Loans on mortgage of real estate (first liens*)
, $312,500 00
Interest due or accrued thereon,
1,303 51
Stocks and bonds, as per schedule, .
247,690 00
Cash in the office of the company, .
6,588 69
Cash deposited in bank, ....
40,248 51
Interest due and accrued, ....
1,932 00
300,000 00
Amount of insurance held as collateral,
359,200 00
UNITED STATES FIRE INSURANCE CO.
Premiums in course of collection (gross),
Reinsurance, ....
Gross assets,*
Deduct special deposits in other States, .
Balance,
557,240 62
201 12
$667,704 45
13,200 00
|654,504 45
Liabilities.
Losses adjusted, unpaid, .
claimed and reported, .
disputed or resisted,
Total amount of losses, ,
Less reinsurance, ....
Net amount of unpaid losses, .
Unearned premiums on outstanding risks
Due and accrued for rent, salaries, etc.,
Commissions and brokerage, .
Return premiums and reinsurance, .
Reinsurance disallowed, .
Gross liabilities, except capital,
Deduct liability on special deposits, .
Surplus as regards policy-holders, .
Paid-up capital,
$23,054 88
30,757 63
7,550 00
$61,362 51
3,264 92
,097 59
262,358 11
1,773 01
12,341 70
7,466 56
2,097 78
$344,134 75
6,310 64
337,824 11
$316,680 34
250,000 00
Surplus over capital,
,680 34
Income.
Fire premiums outstanding Dec. 31, 1894,
Same not collected,
Net collected, .....
Premiums on risks written or renewed,
Total,
Premiums now in course of collection,
Entire premiums collected,
Less reinsurance and return premiums,
Net cash fire premiums received,
$57,723 93
988 90
>,735 03
412,520 33
$469,255 36
55,802 01
$413,453 35
97,247 16
$316,206 19
* Including $ 125,000 special reserve fund neld under New York law.
348
UNITED STATES FIRE INSURANCE CO.
Marine premiums outstanding Dec. 31, 1894, . $3,361 10
Same not collected, 94 00
Net collected, . . . . . . $3,267 10
Premiums on risks written or renewed, . . 22,604 98
Total, ' . . . $25,872 08
Premiums now in course of collection, . . 1,438 61
Entire premiums collected, . . . . $24,433 47
Less reinsurance and return premiums, . . 2,905 62
Net cash marine premiums received, . .
Interest received on mortgages,
Interest and dividends received from all other sources, .
121,527 85
20,542 26
4,382 25
Gross cash income, $362,658 55
Expenditures.
Cash paid for fire losses, .
Deduct salvage and reinsurance,
Net cash paid for fire losses, .
Cash paid for marine and inland losses,
Cash dividends paid, ....
Cash paid for commissions and brokerage,
for salaries of ofiicers and employees,
for State and local taxes,
for rent and incidentals, .
Gross cash expenditures, ....
$197,939 09
26,311 40
$171,627 69
10,397 60
15,000 00
82,583 74
25,094 21
6,940 97
27,628 68
$339,272 89
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
Total,
Deduct risks expired and terminated,
In force at end of year, .
Deduct amount reinsured,
Net amount in force, .
Marine risks outstanding Dec. 31, 1894,
Marine risks written during 1895, .
Total, . . . .
Deduct risks expired and terminated,
Risks and Premiums.
Premiums.
$51,839,777 00 $545,592 29
35,942,439 00 412,520 33
$87,782,216 00 $958,112 62
38,084,473 00 442,931 29
,697,743 00 $515,181 33
2,672,918 00 25,987 14
$47,024,825 00 $489,194 19
$644,750 00
872,007 00
$21,075 30
22,604 98
$1,516,757 00
952,832 00
$43,680 28
25,369 62
In force at end of year, ,
$563,925 00 $18,310 66
UNITED STATES LLOYDS.
349
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company,
Fire losses incurred during the year, ....
Marine and inland losses incurred during the year,
Cash dividends declared from organization of company,
Dividends declared during the year (6 per cent.), .
Company's stock owned by directors, .
55,776,016 00
3,099,243 00
178,007 00
11,796 00
1,831,590 00
15,000 00
48,225 00
UNITED STATES LLOYDS, NEW YORK, N. Y.
[Commenced business December, 1872.]
HIGGINS, COX & BARltETT, Attorneys.
Detailed Statement of Stocks and Bonds.
Par Value. Market Value.
United States bonds, $50,000 00 $52,550 00
New York city bonds, . . . . . 100,000 00 103,000 00
Boston city bonds, . . . . . . 50,000 00 58,500 00
St. Louis city bonds 50,000 00 52,000 00
Cincinnati city bonds, 50, 0( 00 50,500 00
West Shore R.R. bonds 50,000 00 51,750 00
Chicago, Rock Island & Pacific R.R bonds, . 50,000 00 51,500 00
Havana municipal bonds, 5,000 00 4,700 00
Atlantic Mutual Insurance Co. scrip, . . 78,505 00 78,505 00
$483,505 00 |503,005 00
Securities held as collateral for cash loans : —
Fourth National Bank stock, .
Home Insurance Co. stock,
Long Island Loan & Trust Co. stock,
Texas Pacific R.R. bonds,
Missouri, Kansas & Texas R R. stock,
Market Value.
$17,000 00
5,425 00 >!
2,100 00
Loaned Thereon.
$15,000 00
1,375 00
1,075 00
\ 7,500 00
f26,975 00 |22,500 00
Summary of Assets Dec
Stocks and bonds, as per schedule, .
Loans on collateral security, as per schedule,
Cash in the office of the company, .
Cash deposited in bank, ....
Interest due and accrued, ....
Premiums in course of collection (gross),
Notes taken for marine and inland risks,
Salvage due,
Premiums paid on unterminated re-
insurance, .... $25,821 21
Rebates paid on unterminated risks, 3,883 09
Gross assets,
31, 1895.
$503,005 00
22,500 00
2,000 00
160,928 19
10,935 12
147,649 43
17,614 53
52,761 40
$917,393 67
350
UNITED STATES LLOYDS.
Liabilities.
Losses claimed and reported, .
Unearned premiums on outstanding risks,
Due and accrued for salaries, etc., .
Trust deposits,
Commissions and brokerage, .
Return premiums, ....
Gross liabilities, except capital,
Surplus,
$93,340 00
190,695 66
3,742 00
16,883 45
5,300 00
20,000 00
$329,961 11
1587,432 56
Income.
Marine premiums outstanding Dec. 31, 1894, . $111,746 65
Premiums on risks written or renewed, . . 1,301,517 44
Total $1,413,264 09
Premiums now in course of collection, . . 165,263 96
Entire premiums collected, . . . . $1,248,000 13
Less reinsurance and return premiums, . . 874,884 19
Net cash marine premiums received, . .
Interest and dividends received from all sources, .
Income from commissions, etc ,
Gross cash income,
$373,115 94
25,326 30
81,120 00
$479,562 24
Expenditures.
Cash paid for marine and inland losses, .
Deduct salvage and reinsurance,
Net cash paid for marine and inland losses,
Cash dividends paid,
Cash paid for commissions and brokerage,
Cash paid for salaries, fees and taxes,
Gross cash expenditures, .
$661,011 51
369,259 25
$291,782 26
50,000 00
43,439 66
53,736 55
,958 47
Risks and Premiums.
Marine risks outstanding Dec. 31, 1894,
Marine risks written during 1895, .
Total
Deduct risks expired and terminated,
In force at end of year,
Deduct amount reinsured,
Net amount in force, . t; .
. $7,260,048 00
256,533,168 00
$263,793,216 00
249,479,127 00
$14,314,089 00
8,229,624 00
Premiums.
$b9,788 57
1,301,517 44
51,391,306 01
1,200,610 35
$190,695 66
119,985 29
1,084,465 00 $70,710 37
Miscellaneous.
Marine and inland losses incurred during the year,
$856,531 00
WESTCHESTER FIRE INSURANCE CO.
351
" WESTCHESTER FIRE INSURANCE COMPANY," NEW YORK, X. Y.
[Incorporated as mutual March 14, 1837. Commenced business as joint-stock Jan. 1, 1870.]
Paid-up Capital, $300,000.
GEO. R. CRAWFORD, Resident. JOIIN Q. UNDERHILL, Secretary.
Detailed Statement of Stocks and Bonds.
New York & Harlem R.R. stock,
Albany & Susquehanna R.R. stock, .
Rensselaer & Saratoga R.R. stock, .
New York, Lackawanna & Western R R. stock
Long Island R.R. stock, . . ...
New York Central & Hudson River R.R. stock
Rome, Watertown & Ogdensburg R.R. stock,
Delaware & Hudson Canal stock,
Western Union Telegraph stock,
Consolidated Gas stock, . .
Manhattan Railway stock,
United States consols, ....
Richmond City, Va., bonds,
N. Y., Lake Erie & Western R.R. bonds, .
Chicago, Burlington & Quincy R.R. bonds,
St. Joseph & Grand Island R.R. bonds, .
Atchison, Topeka & Santa Fe R.R. bonds,
Chesapeake & Ohio R.R bonds,
New l r ork, Ontario & Western R.R. bonds,
Western Union Telegraph bonds,
Par Value.
$60,000 00
40,000 00
50,000 00
80,000 00
50,000 00
50,000 00
50,000 00
50,000 00
20,000 00
50,000 00
20,000 00
100,000 00
16,000 00
40,000 00
20,000 00
40,000 00
20,000 00
20,000 00
20,000 00
20,000 00
Market Value.
$156,000 00
68,000 00
90,000 00
94,000 00
42,000 00
49,000 00
59,000 00
62,000 00
17,000 00
74,000 00
20,500 00
110,000 00
16,000 00
27,000 00
17,500 00
22,000 00
14,400 00
21,200 00
21,800 00
21,500 00
$816,000 00 $1,002,900 00
Summary of Assets Dec. 31, 1895.
Cash value of unencumbered real estate, . $207,000 00
Loans on mortgage of real estate (first liens*), 474,100 00
Interest due or accrued thereon, . . . 4,473 23
Stocks and bonds, as per schedule, . . . 1,002,900 00
Cash deposited in bank, 112,226 80
Premiums in course of collection (gross), - . 220,874 09
Premiums more than three mos. due, $10,870 50
Gross assets, —
Deduct special deposits in other States,
$2,021,574 12
98,500 00
Balance, . . . . / f 1,923,074 12
* Value of lands mortgaged . $476,000 00
Value of buildings thereon, 582,000 00
Amount of insurance held as collateral, . . . . 473,750 00
352
WESTCHESTER FIRE INSURANCE CO.
Liabilities.
Losses adjusted, unpaid, .
claimed and reported, .
disputed or resisted,
Total amount of losses, .
Less reinsurance,
Net amount of unpaid losses, .
Unearned premiums on outstanding risks,
Commissions and brokerage, .
Reinsurance disallowed, .
Gross liabilities, except capital,
Deduct liability on special deposits,
Surplus as regards policy-holders, .
Taid- up capital,
Surplus over capital, .
$25,319 39
78,372 78
4,750 00
$108,442 17
750 00
$107,692 17
1,102,311 48
48,260 23
2,166 08
fl ,260,42.9 96
44,691 99
$1,215,737 97
$707,336 15
300,000 00
$407,336 15
Income.
Fire premiums outstanding Dec. 31,1894,
Same not collected,
Net collected, ......
Premiums on risks written or renewed, .
Total,
Premiums now in course of collection, .
Entire premiums collected,
Less reinsurance and return premiums, .
Net cash fire premiums received,
Interest received on mortgages,
Interest and dividends received from all other
Income from rents, ......
Gross cash income,
Expenditures
Cash paid for fire losses, ....
Deduct salvage and reinsurance,
Net cash paid for fire losses,
Cash dividends paid,
Cash paid for commissions and brokerage,
for salaries of officers and employe
for State and local taxes,
for incidentals,
Gross cash expenditures, .
$218,802 91
6,796 22
$242,006 69
1,611,569 78
$1,853,576 47
231,744 59
$1,621,831 88
290,187 89
sources,
$1,331,643 99
23,866 53
46,390 37
893 96
$1,402,794 85
$836,592 69
50,825 66
es,
- $785,767 03
30,000 00
273,272 86
46,375 14
30,218 50
166,739 43
. $1,332,372 96
THE WESTERN INSURANCE CO.
353
Risks and Premiums.
Premiums.
Fire risks outstanding Dec. 31, 1894, . $199,692,178 00 $2,215,503 85
Fire risks written during 1895, . . 136,874,648 00 1,611,569 78
Total,
Deduct risks expired and terminated,
In force at end of year, .
Deduct amount reinsured,
8336,566,826 00 $3,827,133 63
139,925,698 00 1,594,100 71
$196,641,128 00
6,760,350 00
1,233,032 92
70,851 40
Net amount in force, .
$189,880,778 00 $2,162,181 52
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company, .
Fire losses incurred during the year, . .
Cash dividends declared from organization of company
Dividends declared during the year (10 per cent.),
Company's stock owned by directors,
$21,126,289 00
11,781,494 00
744,260 00
708,000 00
30,000 00
77,740 00
"THE WESTERN INSURANCE COMPANY OF PITTSBURGH,"
PITTSBURGH, PA.
[Incorporated March 20, 1849. Commenced business May 1, 1849.]
Paid-up Capital, $300,000.
ALEXANDER NIMICK, President. WM. P. HERBERT, Secretary.
Detailed Statement of Stocks and Bonds.
Par Value. Market Value.
United States bonds, ...... $30,000 00 $32,700 00
Allegheny County bonds. 20,000 00 20,000 00
Pittsburgh Junction Railroad bonds, . . 23,000 00 26,880 00
Pittsburgh & Western Railroad bonds, . . 10,000 00 7,800 00
100 shares Pittsburgh & Western Railroad, . 5,000 00 1,200 00
Pitts., Newcastle & Lake Erie bonds, . . 1,500 00 1,545 00
Pittsburgh & Allegheny Bridge Co. bonds, . 15,000 00 15,300 00
Wilkinsburg Borough bonds, .... 30,000 00 30,600 00
Braddock Township school bonds, . . . 6,000 00 6,120 00
New Brighton school bonds, .... 8,000 00 8,180 00
German Protestant Evangelical Church bonds, 8,500 00 8,670 00
Bellevue Borough bonds, 5,500 00 5,590 00
Avalon Borough bonds, 5,000 00 5,070 00
$167,500 00 $169,655 00
354
THE WESTEKN INSUKANCE CO.
Summary of Assets Dec. 31, 1895.
Cash value of unencumbered real estate, . $62,000 00
Loans on mortgage of real estate (first liens*), 206,925 00
Interest due or accrued thereon, .... 2,643 00
Stocks and bonds, as per schedule, . . . 169,655 00
Cash in the office of the company, . . . 185 87
Cash deposited in bank, . . . . 32,814 69
Interest due and accrued, 400 00
Premiums in course of collection (gross), . 28,846 24
Gross assets,
$503,469 80
Liabilities.
Losses adjusted, unpaid, . . .
claimed and reported, .
disputed or resisted,
Total amount of losses, . .
Less reinsurance, . . .
Net amount of unpaid losses. .
Unearned premiums on outstanding risks,
Commissions and brokerage, .
Reinsurance disallowed, ....
Gross liabilities, except capital,
Surplus as regards policy-holders, .
Paid-up capital,
Surplus over capital, .
f 1,440 00
14,880 30
1,900 00
$18,220 30
900 00
$17,320 30
129,906 41
5,379 66
879 81
153,486 18
$349,983 62
300,000 00
$49,983 62
Income.
Fire premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed, .
Total,
Premiums now in course of collection, .
Entire premiums collected,
Less reinsurance and return premiums, .
Net cash fire premiums received,
Cash marine premiums received,
Interest received on mortgages,
Interest and dividends received from all other
Income from rents,
Gross cash income,
$24,550 52
219,459 59
$244,010 11
28,846 24
|215,163 87
27,163 36
sources,
$188,000 51
269 51
12,154 05
7,977 90
1,000 00
$209,401 97
* Value of lands mortgaged, .
Value of buildings thereon, .
Amount of insurance held as collateral,
$239,800 00
329,800 00
174,750 00
WILLIAMSBURG!! CITY FIRE INSURANCE CO.
355
Expenditures.
Cash paid for fire losses, ....
Deduct salvage and reinsurance,
Net cash paid for fire losses, .
Cash paid for marine and inland losses,
Cash dividends paid,
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes, , .
for incidentals, ....
Gross cash expenditures, ....
$106,117 89
2,189 69
Risks and Premiums.
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
Total, . . . .
Deduct risks expired and terminated,
In force at end of year, .
Deduct amount reinsured,
Net amount in force,
Marine risks written during 1895, .
Deduct risks expired and terminated,
S18,740,010 00
17,882,818 00
$36,622,828 00
15,715,198 00
$20,907,630 00
371,066 00
$103,928 20
75 00
18,000 00
36,033 05
7,720 00
4,787 05
6,837 96
$177,381 26
Premiums.
$227,745 30
219,459 59
$447,204 89
193,883 40
$253,321 49
4,415 08
$20,536,564 00 $248,906 41
$33,198 00
33,198 00
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company, .
Fire losses incurred during the year,
Marine and inland losses incurred during the year,
Cash dividends declared from organization of company,
Dividends declared during the year (6 per cent.), .
Company's stock owned by directors,
$269 51
269 51
$4,014,302 00
2,299,986 00
105,296 00
75 00
917,500 00
18,000 00
59,000 00
" WILLIAMSBURGH CITY FIRE INSURANCE COMPANY,"
BROOKLYN, N. Y.
[Incorporated March, 1853. Commenced business March, 1853.]
Paid up Capital, $250,000.
MARSHALL S. DRIGGS, President. FRED'K H. WAT, Secretary.
Detailed Statement of Stocks and Bonds.
Par Value. Market Value.
United States bonds, $23,000 00 $25,760 00
Richmond, Va., bonds, 13,500 00 . 13,500 00
Georgia State bonds, . . . . • . 25,000 00 28,500 00
356
WILLI AMSBURGH CITY FIRE INSURANCE CO.
Long Island Bank, Brooklyn, stock,
First National Bank, Brooklyn, stock,
Brooklyn Union Gas Co. bonds,
Brooklyn Union Gas Co. stock, ,
Edison Electric Illuminating Co., .
Consolidated Gas Co., N. Y., stock, .
Dry Dock, E. B'way & Battery R.R. stock,
Kings County Trust Co., Brooklyn, stock,
Brooklyn City Railroad stock,
Brooklyn Trust Company stock,
Brooklyn & New York Ferry Company stock
Union Ferry Company of Brooklyn stock,
Long Island Traction Co. of Brooklyn, .
Securities held as collateral for cash loans : —
Title Guarantee & Trust Co. stock, .
Brooklyn City R R. Co. stock, ....
Par Value.
$10,000 00
5,000 00
9,000 00
25,000 00
10,000 00
10,000 00
20,000 00
9,000 00
100,000 00
3,000 00
5,000 00
67,000 00
225,000 00
Market Value.
810,000 00
20,000 00
9,450 00
18,750 00
10,300 00
14,800 00
34,000 00
23,400 00
171,000 00
11,550 00
10,000 00
45,560 00
38,250 00
$559,500 00 $484,820 00
Market Value. Loaned Thereon.
$10,800 00 $5,000 00
1,710 00 1,200 00
$12,510 00
1,200 00
Summary of Assets Dec
Cash value of unencumbered real estate,
Loans on mortgage of real estate (first liens*),
Interest due or accrued thereon,
Stocks and bonds, as per schedule, .
Loans on collateral security, as per schedule,
Cash in the office of the company, .
Cash deposited in bank, ....
Interest due and accrued, ....
Premiums in course of collection (gross),
Rents due and accrued, ....
Reinsurance due,
Premiums more than three mos. due, $1,809 36
Gross assets,f
Deduct special deposits in other States, .
Balance,
Losses adjusted, unpaid, .
claimed and reported,
disputed or resisted,
Total amount of losses, .
Less reinsurance,
Net amount of unpaid losses,
Liabilities.
31, 1895.
$629,000 00
296,050 00
1,820 04:
484,820 00
6,200 00
1,721 19
29,071 55
3,106 62
77,112 30
5,687 32
2,046 95
$1,536,635 97
42,000 00
$1,494,635 97
,452 04
30,180 54
3,910 98
$50,543 56
260 62
,282 94
* Value of lands mortgaged,
Value of buildings thereon,
Amount of insurance held as collateral,
$276,000 00
237,500 00
232,800 00
t Including $280,000 special reserve fund held under New York law.
WILLIAMSBURGII CITY FIRE INSURANCE CO.
357
Unearned premiums on outstanding risks,
Dividends to stockholders unpaid, .
Due and accrued for rent, salaries, etc , .
State and local taxes, ....
Commissions and brokerage, .
Return premiums,
Reinsurance disallowed, ....
Gross liabilities, except capital, .
Deduct liability on special deposits, .
Surplus as regards policy-holders, .
Paid-up capital, ......
$500,961 30
1,600 00
283 33
4,442 82
13,520 17
575 03
8,610 30
$586,275 89
20,817 18
$565,458 71
$929,177 26
250,000 00
Surplus over capital,
,177 26
Income.
Fire premiums outstanding Dec. 31, 1894,
Same not collected, ....
Net collected, ....
Premiums on risks written or renewed,
Total,
Premiums now in course of collection,
Entire premiums collected,
Less reinsurance and return premiums,
Net cash tire premiums received,
Interest received on mortgages,
Interest and dividends received from all other
Income from rents, ....
Gross cash income,
,235 01
5,474 37
),760 64
666,766 42
$727,527 06
78,921 66
$648,605 40
72,323 55
sources,
$576,281 85
14,490 85
22,260 85
32,055 20
$645,088 75
Expenditures.
Cash paid for fire losses,
Deduct salvage and reinsurance, . .
Net cash paid for fire losses, ....
Cash dividends paid,
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for incidentals,
for repairs on real estate,
Gross cash expenditures , . . ...
$284,495 50
25,854 68
$258,640 82
49,250 00
136,606 86
63,557 74
6,028 29
35,393 43
16,981 22
$566,458 36 s
358
WILLIAMSBURGH CITY FIRE INSURANCE CO.
Risks and Premiums.
Premiums.
Fire risks outstanding Dec. 31, 1894, . $120,944,787 00 $1,012,570 48
Fire risks written during 1895, . . 75,667,693 00 666,766 42
Total,
Deduct risks expired and terminated,
In force at end of year,
Deduct amount reinsured,
Net amount in force, . . . . $119,810,228 00 $1,003,168 94
$196,612,480 00 $1,679,336 90
72,565,542 00 642,596 64
$124,046,938 00 $1,036,740 26
4,236,710 00 33,571 32
Miscellaneous.
Premiums received from organization of company,
Losses paid from organization of company,
Fire losses incurred during the year, ....
Cash dividends declared from organization of company,
Dividends declared during the year (20 per cent.), .
Company's stock owned by directors, ....
$14,889,628 00
7,769,663 00
258,923 00
1,452,500 00
50,000 00
46,750 00
AGGREGATE.
Capital Stock.
Capital actually paid up in cash, .
Scrip outstanding, .
Gross present assets,
Assets.
Liabilities.
Gross present liabilities,
Income.
Cash actually received for fire premiums, .
for marine and inland premiums,
for interest and dividends from all sources,
from all other sources, ....
Gross cash income,
Expenditures.
Cash actually paid during the year for fire losses,
for marine and inland losses,
for dividends to stockholders,
for redemption of scrip, ....
for interest to scrip-holders,
for brokerage and commission on premiums,
for salaries and pay of officers and employees,
for State and local taxes, ....
for office, agency and incidental expenses, .
Gross cash expenditures, ....
Miscellaneous.
Whole amount of fire risks written during the year, .
premiums charged or receivable thereon,
marine and inland risks written during the year,
premiums charged or receivable thereon,
fire risks terminated during the year,
marine and inland risks terminated,
fire risks outstanding at end of year,
marine and inland risks outstanding,
cash .dividends declared during the year,
fire losses incurred during the year-,
marine losses incurred during the year, .
$41,970,025
7,399,248
$175,967,934
$83,625,162
$75,109,899
5,946,440
6,798,719
• 746,775
$88,601,833
$41,095,902
4,548,683
5,033,296
799,634
424,435
14,584,854
6,416,850
1,876,375
5,953,035
$80,733,064
$8,611,213,660
94,585,271
1,349,401,454
8,080,672
8,102,185,830
1,328,824,664
11,382,987,550
181,592,967
4,915,425
40,565,562
4,837,129
UNITED STATES BRANCHES OF
FOREIGN FIRE AND MARINE
INSURANCE COMPANIES
Detailed Statement of Assets and Liabilities, with Abstract
of Annual Statements for the Year ending
December 31, 1895.
362
ATLAS ASSURANCE CO.
DETAILED STATEMENTS OF ASSETS AND LIABILITIES.
UNITED STATES BRANCH OF THE "ATLAS ASSURANCE
COMPANY," LONDON, ENGLAND.
Deposit Capital, $200,000.
J. M. NEUBURGER, General Manager.
Office, Chicago, III.
Detailed Statement of Stocks and bonds.
Par Value. Market Value.
United States bonds, $300,000 00 $331,500 00
Boston city bonds, 180,000 00 198,900 00
Fitchburg Railroad bonds, . . . . 20,000 00 21,400 00
Pennsylvania Railroad bonds, . . . . 25,000 00 30,000 00
N. Y. Central & Hudson River Railroad bonds, 25,000 00 25,500 00
Boston & Maine Railroad, .... 25,000 00 28,375 00
New York & Putnam Railroad bonds, . . 25,000 00 26,000 00
Louisville, Ky., city bonds, .... 50,000 00 51,875 00
St. Louis, Mo., city bonds, . . . . 15,000 00 16,237 50
Summary of Assets Dec
Stocks and bonds, as per schedule, .
Cash in the office of the company, .
Cash deposited in bank, ....
Interest due and accrued,
Premiums in course of collection (gross),
Gross assets,
$665,000 00 $729,787 50
31, 1895.
$729,787 50
2,726 95
51,914 98
7,572 50
99,725 24
$891,727 17
Unadmitted.
Special deposits in other States,
Cash not in control of trustees,
$110,500 00
54,641 93
165,141 93
Balance, $726,585 24
Liabilities.
Losses adjusted, unpaid, .
claimed and reported,
disputed or resisted,
Total amount of losses, .
Less reinsurance,
Net amount of unpaid losses,
$6,392 22
35,889 15
8,140 00
$50,421 37
4,375 00
$46,046 37
ATLAS ASSURANCE CO.
3G3
Unearned premiums on outstanding risks,
Due and accrued for rent, salaries, etc., .
Commissions and brokerage, .
Reinsurance due, .....
Reinsurance disallowed, .
Gross liabilities, except capital,
Deduct liability on special deposits,
Surplus as regards policy-holders, .
Deposit capital,
$419,867 18
7,373 17
17,981 91
451 00
6,763 06
$498,482 69
22,G77 00
,511 01
165,671 50
Surplus over capital, ....
Income.
Fire premiums outstanding Dec. 31, 1894, . $94,803 13
Premiums on risks written or renewed, , . 751,433 12
Total, $846,236 25
Premiums now in course of collection, . . 99,725 24
Entire premiums collected, .
Less reinsurance and return premiums, .
Net cash fire premiums received, . . .
Interest and dividends received from all sources, .
Gross cash income,
Expenditures.
Cash paid for fire losses, $328,982 08
Deduct salvage and reinsurance, . . . 9,871 66
Net cash paid for fire losses, ....
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for rent and incidentals, .
Gross cash expenditures, ....
Risks and Premiums.
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
Total,
Deduct risks expired and terminated,
In force at end of year,
Deduct amount reinsured,
. $53,943,460 00
61,799,778 00
$115,743,238 00
49,815,285 00
$65,927,953 00
2,302,689 00
$475,805 69
$250,779 55
200,000 00
,779 55
$580,839 51
27,021 06
$607,860 57
$319,110 42
112,922 26
37,020 91
11,256 72
43,244 42
$523,554 73
Premiums.
$738,668 56
751,433 12
1,490,101 68
683,650 32
,451 36
28,847 78
Net amount in force, .
Miscellaneous.
Fire losses incurred during the year, , . .
$63,625,264 00 $777,603 58
$287,929 00
364
BRITISH AMERICA ASSURANCE CO.
UNITED STATES BRANCH OF THE "BRITISH AMERICA ASSUR-
ANCE COMPANY," TORONTO, CANADA.
Deposit Capital, $300,000.
FREDERICK B. CARPENTER, New England Manager.
Office, 13 Central Street, Boston.
Detailed Statement of
United States bonds, .
Georgia State bonds,
City of Richmond, Va., bonds,
City of Toledo, Ohio, bonds,
City of Columbus, Ohio, bonds,
City of London, Canada, bonds,
City of Toronto, Canada, bonds,
City of Kingston, Canada, bonds,
City of Winnipeg, Canada, bonds, .
New York & West Shore R R. bonds,
Central Canada L. & S. Co. debentures,
Dominion of Canada stock,
Chicago Electric Transit Co. bonds, .
City of Riverside, Cal., bonds, .
Freehold Loan & Savings stock,
Stocks and Bonds.
Par Value.
$305,000 00
25,000 00
26,300 00
50,000 00
50,000 00
150,000 00
90,125 00
20,000 00
20,000 00
50,000 00
25,000 00
12,000 00
25,000 00
25,000 00
12,000 00
Market Value.
$335,550 00
28,000 00
26,300 00
51,365 00
53,350 00
155,493 00
94,347 52
22,360 00
22,240 CO
52,375 00
25,000 00
12,540 00
27,250 00
27,180 00
13,200 00
$885,425 00 $946,550 52
Summary of Assets Dec. 31, 1895.
Stocks and bonds, as per schedule, .
Cash deposited in bank, ....
Interest due and accrued, ....
Premiums in course of collection (gross),
Notes taken for marine and inland risks,
Gross assets,
$946,550 52
30,493 98
9,365 00
177,720 50
16,089 52
.,180,219 52
Unadmitted.
Special deposits in other States,
Cash not in control of trustees,.
Bills receivable,
$159,015 00
158 02
16,089 52
175,262 54
Balance, . $1,004,956 98
Liabilities.
Losses adjusted, unpaid, $45,441 16
claimed and reported, .... 89,735 64
disputed or resisted, .... 14,117 66
Unearned premiums on outstanding risks, . 594,587 93
BRITISH AMERICA ASSURANCE CO.
3(55
Commissions and brokerage, .
Return premiums and reinsurance, .
Gross liabilities, except capital,
Deduct liability on special deposits,
Surplus as regards policy-holders, .
Deposit capital,
Surplus over capital, .
,497 14
22,473 40
$785,852 93
86,543 84
Income.
Fire premiums outstanding Dec. 31, 1894,
Same not collected,
Net collected,
Premiums on risks written or renewed, .
Total, . . . . . . .
Premiums now in course of collection, .
Entire premiums collected,
Less reinsurance and return premiums, .
Net cash fire premiums received,
Marine premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed, .
$173,713 48
3,840 77
$169,872 71
1,271,957 75
$1,441,830 46
171,573 59
$1,270,256 87
285,369 38
1,241 02
237,279 75
Total,
Premiums now in course of collection, .
Entire premiums collected,
Less reinsurance and return premiums, .
Net cash marine premiums received,
Interest and dividends received from all sources,
Gross cash income, . . . . .
Expenditures.
Cash paid for fire losses, . . . .
Deduct salvage and reinsurance,
Net cash paid for fire losses, ....
Cash paid for marine and inland losses, .
Deduct salvage and reinsurance,
Net cash paid for marine and inland losses, .
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes, .
for incidentals,
Remitted to home office, . . . .
Gross cash expenditures, . . , .
$250,520 77
6,146 91
$244,373 86
56,812 67
$579,444 43
33,936 86
$263,075 QQ
68,811 36
,416 40
$699,309 09
$305,647 89
300,000 00
$5,647 89
$984,887 49
187,561 19
37,745 91
1,210,194 59
$545,507 57
194,264 30
224,204 13
24,875 28
25,325 12
95,894 86
. $1,110,071 26
366
BEITISH AND FOREIGN MARINE INSURANCE CO.
Risks and Premiums.
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
Total,
Deduct risks expired and terminated,
In force at end of year,
Deduct amount reinsured,
Net amount in force, .
Marine risks outstanding Dec. 31, 1894,
Marine risks written during 1895, .
Total, ......
Deduct risks expired and terminated,
In force at end of year, .
,654,861 00
87,163,113 00
$167,817,974 00
79,702,130 00
,115,844 00
1,409,198 00
Premiums.
11,103,916 81
1,271,957 75
52,375,874 56
1,244,417 65
,131,456 91
18,137 82
$86,706,646 00 $1,113,319 09
$2,849,359 00
22,623,044 00
$25,472,403 00
21,914,884 00
$26,878 06
237,279 75
$264,157 81
221,769 41
1,557,519 00 $42,388 40
Miscellaneous.
Fire losses incurred during the }*ear,
Marine and inland losses incurred during the year,
$539,390 00
198,735 00
UNITED STATES BRANCH OF THE " BRITISH AND FOREIGN
MARINE INSURANCE COMPANY (LIMITED)," LIVERPOOL,
ENGLAND.
Deposit Capital, $300,000.
FRANK GrAIR HACOHBER, New England Manager.
Detailed Statement of Stocks and Bonds.
Boston & Lowell Railroad bonds,
Fitchburg Railroad bonds,
Boston, Clinton, Fitch. & N.Bedford R.R
Providence & Worcester Railroad bonds,
Boston & Maine Railroad bonds,
Old Colony Railroad bonds,
Eastern Railroad bonds, .
Brooklyn city bonds,
New York city bonds,
United States bonds, .
City of Portland water bonds, .
Allegheny Valley Railroad bonds,
Pennsylvania Railroad bonds, .
Chicago, Mil. & St. Paul Railroad bonds,
Richmond city bonds, . ,
b'ds
Par Value.
$100,000 00
80,000 00
2,000 00
50,000 00
1,000 00
51,000 00
20,840 00
42,000 00
58,000 00
235,000 00
9,000 00
100,000 00
39,000 00
75,000 00
50,000 00
Market Value.
$102,583 33
81,100 00
2,320 00
52,375 00
1,177 50
54,567 50
25,424 80
40,530 00
58,435 00
256,500 00
10,485 00
129,Q00 00
41,340 00
83,625 00
46,000 00
$912,840 00 $985,463 13
BRITISH AND FOREIGN MARINE INSURANCE CO.
67
Summary op Assets Dec.
Loans on mortgage of real estate (first liens),
Stocks and bonds, as per schedule, .
Cash deposited in bank, ....
Premiums in course of collection (gross),
Notes taken for marine and inland risks,
Reinsurance, . . . . .
Gross assets, ....
Unadmitted.
Special deposits in other States,
Cash not in control of trustees,
Balance,
Liabilities
Losses adjusted, unpaid, .
Losses claimed and reported,
Total amount of losses, .
Less reinsurance,
Net amount of unpaid losses,
Unearned premiums on outstanding risks
Unused balances of premium notes,
State and local taxes,
Commissions and brokerage, .
Reinsurance,
Reinsurance disallowed, .
Gross liabilities, except capital,
Deduct liability on special deposits, .
Surplus as regards policy-holders, .
Deposit capital,
Surplus over capital, .
Income.
Marine premiums outstanding Dec. 31, 1894,
Same not collected, ....
Net collected, ....
Premiums on risks written or renewed,
Total, . . .
Premiums now in course of collection,
Entire premiums collected,
Less reinsurance and return premiums,
Net cash marine premiums received,
Interest and dividends received from all
Remittances from home office, . ,
Gross cash income,
31, 1895.
$41,000 00
985,463 13
67,143 74
432,526 18
4,107 50
21,425 42
$187,735 00
67,143 74
1,551,665 97
254,878 74
$1,296,787 23
$274,929 34
4,629 00
$279,558 34
66,374 89
$213,183 45
556,080 29
1,133 50
3,663 47
33,442 93
55,366 92
66,374 89
$929,245 45
7,071 23
$309,190 23
12,247 08
$296,943 15
2,556,806 67
$2,853,749 82
446,776 84
$2,406,972 98
843,573 84
sources,
$414,617 72
922,174 22
$374,613 01
300,000 00
,613 01
$1,563,399 14
47,985 26
$1,611,384 40
368
CALEDONIAN INSUKANCE CO.
Expenditures.
Cash paid for marine and inland losses, . . $1,331,321 64
Deduct salvage and reinsurance, . . . 677,373 35
Net cash paid for marine and inland losses, .
Cash paid for commissions and brokerage, ....
for salaries of officers and employees, .
for State and local taxes,
Remitted to home office, $1,010,309 60
Gross cash expenditures, ....
Risks and Premiums.
Marine risks outstanding Dec. 31, 1894,
Marine risks written during 1895, .
Total
Deduct risks expired and terminated,
In force at end of year, .
Deduct amount reinsured,
Net amount in force, .
Miscellaneous.
Marine and inland losses incurred during the year,
$653,948 29
190,435 08
105,137 31
26,016 76
$975,537 44
Premiums.
$431,486 42
2,556,806 67
^2,988,293 09
2,432,212 80
$556,080 29
113,303 96
$28,185,286 00 $442,776 33
$31,653,516 00
687,843,106 00
$719,496,622 00
681,712,765 00
$37,783,857 00
9,598,571 00
13,724 00
UNITED STATES BRANCH OF THE " CALEDONIAN INSURANCE
COMPANY," EDINBURGH, SCOTLAND.
Deposit Capital, $200,000.
CHARLES H. POST,
N. A. McNEIL,
JAS. T. HOWES,
> Managers.
Office, New York, N. Y.
Detailed Statement of Stocks and Bonds.
Par Value. Market Value.
United States bonds, $300,000 00 $331,500 00
New York City school bonds, .... 200,000 00 200,000 00
State of Georgia bonds, . . . . . 25,000 00 25,000 00
City of Richmond, Va., bonds, .... 22,500 00 22,500 00
Penn. & New York Canal & R.R. bonds,. . 100,000 00 94,000 00
Lehigh Valley R.R. bonds, .... 50,000 00 62,000 00
Chicago, Burlington & Quincy R.R. bonds, . 50,000 00 45,375 00
Allentown Terminal R.R. bonds, . . . 50,000 00 50,000 00
Richmond & Petersburg R.R. bonds, . . 50,000 00 50,500 00
New York, Chicago & St. Louis R.R bonds, . 60,000 00 63,000 00
St. Paul, Minn. & Manitoba R.R. bonds, . . 100,000 00 97,250 00
Lake Erie & Western R.R. bonds, . . . 42,000 00 49,140 00
Chicago, Milwaukee & St. Paul R.R. bonds, . 50,000 00 58,750 00
Fremont, Elkhorn & Missouri Val, R.R. bonds, 15,000 00 19,237 50
CALEDONIAN INSURANCE CO.
Albany & Susquehanna R.R. bonds, .
Jersey City bonds, ....
riiila , Wilmington & Bait. R.R. bonds,
Central R R. of New Jersey bonds, .
City of Richmond, Va., bonds, .
Lehigh Valley Coal Co. bonds,
Long Island R.R. Co. bonds,
Baltimore & Ohio R.R. bonds, .
Chicago, Rock Island & Pacific R.R. bonds,
Summary of Assets. Dec
Loans on mortgage of real estate (first liens*),
Stocks and bonds, as per schedule, .
Cash in the office of the company, .
Cash deposited in bank, ....
Interest due and accrued, ....
Premiums in course of collection (gross),
Reinsurance clue,
Premiums more than three mos. due, $2,470 34
Gross assets, .....
Unadmitted.
Special deposits in other States,
Cash not in control of trustees,
Balance,
Liabilities.
Losses adjusted, unpaid, .
claimed and reported,
disputed or resisted,
Total amount of losses,
Less reinsurance,
Net amount of unpaid losses,
Unearned premiums on outstanding risks,
Commissions and brokerage,
Reinsurance,
Reinsurance disallowed, .
All other liabilities, .
Gross liabilities, except capital,
Deduct liability on. special deposits, .
Surplus as regards policy-holders, .
Deposit capital, .
Surplus over capital, .
3E CO.
309
Par Value.
Market Value.
$15,000 00
$19,350 00
34,000 00
40,060 00
50,000 00
52,000 00
100,000 00
116,000 00
2,500 00
2,500 00
25,000 00
26,000 00
50,000 00
48,500 00
100,000 00
110,500 00
50,000 00
51,250 00
$1,541,000 00 $1,634,412 50
31, 1895.
$50,000 00
1,634,412 50
180 90
187,696 74
17,921 65
109,825 31
13,396 89
\
£2,013,433 99
$210,500 00
180 90
210,680 90
$1,802,753 09
$118,602 29
55,424 39
40,136 16
$214,162 84
11,094 20
$203,068 64
1,069,388 35
19,382 44
4,934 44
6,478 00
22,210 67
11,325,462 54
84,157 13
1,241,305 41
$561,447 68
200,000 00
1,447 68
* Value of lands mortgaged, ...... $100,000 00
370 COMMERCIAL UNION ASSURANCE CO. (LIMITED).
Income.
Fire premiums outstanding Dec. 31, 1894, . f 143,668 26
Premiums on risks written or renewed, . . 1,807,113 31
Total, $1,950,781 57
Premiums now in course of collection, . . 112,295 65
Entire premiums collected, .... $1,838,485 92
Less reinsurance and return premiums, . . 530,924 68
Net cash fire premiums received, . . . $1,307,561 24
Interest and dividends received from all sources, . . . 74,652 83
Gross cash income, $1,382,214 07
Expenditures.
Cash paid for fire losses, 11,054,402 37
Deduct salvage and reinsurance, . . . 68,241 12
Net cash paid for fire losses, .... $986,161 25
Cash paid for commissions and brokerage, .... 259,164 89
for salaries of officers and employees, . . . 74,610 88
for State and local taxes, 47,383 79
to Niagara Fire Ins. Co. on account contract, . 20,000 00
for incidentals, 80,305 80
Gross cash expenditures, .
$1,467,626 61
Risks and Premiums. premiums.
Fire risks outstanding Dec. 31, 1894, . $256,171,259 00«$2,829,766 52
Fire risks written during 1895, . . 144,655,997 00 1,807,113 31
Total, 1400,827,256 00 $4,636,879 83
Deduct risks expired and terminated, . 184,169,605 00 2,257,288 92
In force at end of year, . . . . $216,657,651 00 $2,379,590 91
Deduct amount reinsured, . . . 13,531,032 00 186,628 97
Net amount in force, .... $203,126,619 00 $2,192,961 94
Miscellaneous.
Fire losses incurred during the year, $923,902 00
UNITED STATES BRANCH OF THE "COMMERCIAL UNION
ASSURANCE COMPANY (LIMITED)," LONDON, ENGLAND.
Deposit Capital, $200,000.
CHARLES SEWALL, Resident Manager.
Office, New York, N. Y.
Detailed Statement of Stocks and Bonds.
Par Value. Market Value.
United States bonds, $425,000 00 $463,250 00
Akron & Chicago Junction Railroad bonds, . 30,000 00 30,000 00
Central Railroad of New Jersey bonds, . . 50,000 00 57,000 00
COMMERCIAL UNION ASSURANCE CO. (LIMITED). 371
Chicago, Burlington & Quincy R.R. bonds,
Chicago, Milwaukee & St. Paul Railroad,
Chicago & Northwestern Railroad bonds,
Chicago, Rock Island & Pacific R.R. bonds,
Clev., Cin., Chicago & St. Louis R.R. bonds,
Indianapolis & Vincennes Railroad bonds,
Lehigh Valley of New York bonds, .
Lehigh Valley Terminal Railroad bonds,
Louisville & Nashville Railroad bonds, .
Michigan Central Railroad bonds, .
Milwaukee, Lake Shore & Western R.R. bonds
New York Central & Hudson River R.R. bonds
N. Y., Lackawanna & Western Railroad bonds
Pittsburg, Fort Wayne & Chicago R.R. bonds
Western Pennsylvania Railroad bonds, .
West Shore Railroad bonds,
Par Value.
$100,000 00
150,000 00
123,000 00
60,000 00
50,000 00
65,000 00
50,000 00
50,000 00
50,000 00
40,000 00
25,000 00
30,000 00
50,000 00
15,000 00
50,000 00
50,000 00
Market Value.
f 100,500 00
169,750 00
148,157 50
76,800 00
44,000 00
78,000 00
51,000 00
55,750 00
51,000 00
41,600 00
32,500 00
35,700 00
65,500 00
24,150 00
51,500 00
52,500 00
$1,463,000 00 $1,628,657 50
Summary of Assets Dec. 31, 1895.
Cash value of unencumbered real estate, .
Stocks and bonds, as per schedule, .
Cash in the office of the company, .
Cash deposited in bank, ....
Interest due and accrued, ....
Premiums in course of collection (gross),
Notes taken for marine and inland risks,
Rents due and accrued, ....
Reinsurance,
Gross assets, . . .
Un admitted.
Special deposits in other States,
Cash not in control of trustees,
Bills receivable, . .
Balance, ....
|870,395 85
1,628,657 50
408 82
535,513 25
23,212 48
418,487 30
18,794 13
8,010 09
2,551 74
$245,250 00
53,322 23
18,794 13
5,506,031 16
317,366 36
. $3,188,664 80
Liabilities.
Losses adjusted, unpaid, .
claimed and reported, .
disputed or resisted,
Total amount of losses,
Less reinsurance,
Net amount of unpaid losses, .
Unearned premiums on outstanding risks,
Reclaimable on perpetual fire policies,
$77,902 19
187,592 00
27,200 00
$292,694 19
2,401 00
$290,293 19
1,956,567 48
67,256 01
372 COMMERCIAL UNION ASSURANCE CO. (LIMITED ) .
Commissions and brokerage, .... $59,192 41
Return premiums and reinsurance, . . . 3,197 35
Reinsurance disallowed, 1,624 00
Gross liabilities, except capital, . . $2,378,130 44
Deduct liability on special deposits, . . 153,926 50
>,224,203 94
Surplus as regards policy-holders, $964,460 86
Deposit capital, . 200,000 00
Surplus over capital, $764,460 86
Income.
Fire premiums outstanding Dec. 31, 1894, . $454,952 40
Premiums on risks written or renewed, . . 3,138,509 51
Total, $3,593,461 91
Premiums now in course of collection, . , 413,938 17
Entire premiums collected, .... $3,179,523 74
Less reinsurance and return premiums, . . 674,957 86
Net cash fire premiums received, . . . $2,504,565 88
Marine premiums outstanding Dee. 31, 1894, . $5,421 94
Premiums on risks written or renewed, . . 208,221 51
Total, . $213,643 45
Premiums now in course of collection, . . 4,549 13
Entire premiums collected, .... $209,094 32
Less reinsurance and return premiums, . . 5,377 05
Net cash marine premiums received, . . 203,717 27
Interest and dividends received from all sources, . . . 76,148 20
Income from rents, 29,642 15
Deposits received for perpetual fire risks, . $14,200 90
Gross cash income, . $2,814,073 50
Expenditures.
Cash paid for fire losses, $1,434,410 92
28,542 68
$1,405,868 24
Deduct salvage and reinsurance,
Net cash paid for fire losses, .
Cash paid for marine and inland losses, . . $248,444 44
Deduct salvage and reinsurance, . . . 13,207 81
Net cash paid for marine and inland losses, . 235,236 63
Cash paid for commissions and brokerage, .... 457,956 41
for salaries of officers and employees, . . . 142,723 04
for State and local taxes, . ... 61,038 72
for rent and Incidentals, ...... 137,001 69
Gross cash expenditures, $2,439,824 73
HAMBURG-BREMEN FIRE INSURANCE CO.
373
Risks and Premiums.
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
Total
Deduct risks expired and terminated,
In force at end of year, .
Deduct amount reinsured,
Net amount in force, .
Perpetual risks in force (not included
above),
Marine risks outstanding Dec. 31, 1894,
Marine risks written during 1895, .
Total,. . .
Deduct risks expired and terminated,
In force at end of year,
Deduct amount reinsured,
Net amount in force, . .
$379,250,701 00
283,033,327 00
$002,890,031 00
292,334,107 00
$370,555,804 00
7,307,704 00
$303,248,100 00
$3,530,879 00
$1,788,522 00
27,985,904 00
$29,774,480 00
29,030,334 00
■ $744,152 00
30,000 00
Premiums.
$4,170,589 09
3,138,509 51
$7,309,098 00
3,347,845 05
$3,901,252 95
82,375 95
$3,878,877 00
$74,728 90
$18,712 00
208,221 51
$220,934 11
207,303 05
$19,031 00
875 00
$714,152 00 $18,750 00
Miscellaneous.
Fire losses incurred during the year,
Marine and inland losses incurred during the year,
$1,377,477 00
205,237 00
UNITED STATES BRANCH OF THE "HAMBURG-BREMEN FIRE
INSURANCE COMPANY," HAMBURG, GERMANY.
Deposit Capital, $200,000.
F. O. AFFELD, Resident Manager.
Office, New York, N. Y.
Detailed Statement of Stocks and Bonds.
Par Value. Market Value.
United States bonds, $100,000 00 $109,000 00
Georgia State bonds, - . 25,000 00 28,750 00
New York City water stock 130,000 00 130,975 00
New York City school house bonds, . . 100,000 00 100,500 00
Portland City, Oregon, bonds, .... 50,000 00 57,000 00
Providence City, R. L, bonds, .... 25,000 00 28,750 00
Richmond City, Ya., bonds, .... 15,000 00 10,800 00
St. Louis City, Mo., bonds, .... 25,000 00 25,025 00
Atchison, Topeka & Santa Fe R.R. bonds, . 25,000 00 17,750 00
Beech Creek R.R. bonds, .... 20,000 00 20,400 00
Central R.R. Of New Jersey bonds, . . • . 25,000 00 29,000 00
374
HAMBURG-BREMEN FIRE INSURANCE CO.
Central Ohio R.R. bonds, ....
Central Pacific R R. bonds,
Chicago, Burlington & Quincy R.R. bonds,
Chicago, Milwaukee & St. Paul R.R. bonds,
Chicago & Northwestern R.R. bonds,
Chicago, Rock Island & Pacific R R. bonds,
Cin., Indianapolis, St. Louis & Chic. R.R. b'ds,
Denver & Rio Grande R.R. bonds, .
East Tennessee, Virginia & Georgia R.R. b'ds
Edison Electric Illuminating Co. of N. Y. b'ds
Illinois Central R R. bonds,
Kansas Pacific R.R. bonds,
Lake Erie & Western R.R. bonds, .
Long Island R.R. bonds, .
Louisville & Nashville R.R. bonds, .
New York, Chicago & St. Louis R.R. bonds,
New York, Lake Erie & Western R.R. bonds,
Northern Pacific R R. bonds, .
Oregon Railway & Navigation Company bd's
Pennsylvania Company bonds,
Perms) lvannia R R. bonds,
Pittsburgh, Cin , Chic. & St. Louis R.R. bonds
St. Paul, Minn. & Manitoba R R. bonds, .
Scioto Vallej^ & New England R.R. bonds,
Union Pacific R.R. bonds,
Wabash R.R. bonds,
Par Value.
$25,000 00
20,000 00
20,000 00
25,000 00
25,000 00
25,000 00
15,000 00
25,000 00
25,000 00
20,000 00
50,000 00
20,000 00
25,000 00
30,000 00
30,000 00
30,000 00
25,000 00
20,000 00
10,000 00
30,000 00
25,000 00
25,000 00
25,000 00
30,000 00
20,000 00
25,000 00
Market Value.
§25,250 00
20,000 00
23,800 00
27,875 00
34,750 00
32,000 00
14,250 00
21,500 00
26,062 50
21,200 00
52,000 00
21,400 00
28,500 00
35,550 00
29,100 00
30,600 00
34,250 00
23,400 00
10,400 00
32,550 00
27,900 00
26,250 00
26,000 00
24,900 00
20,825 00
25,812 50
$1,185,000 00 $1,260,675 00
Securities held as collateral for cash loans
Chicago, Milwaukee & St. Paul R.R. stock,
Market Value. Loaned Thereon.
$26,800 00 $20,000 00
Summary of Assets Dec. 31, 1895.
Stocks and bonds, as per schedule, . . . $1,260,675 00
Loans on collateral security, as per schedule, . 20,000 00
Cash deposited in bank, 33,710 68
Interest due and accrued, 1,000 00
Premiums in course of collection (gross), . 107,338 31
.Gross assets,
Unadmitted.
Special deposits in other States, . . . $102,550 00
Railroad bonds, not in control of ti'ustees, . 150,525 00
Cash in bank, net in control of trustees, . . 33,710 68
Collateral loans, not in control of trustees, . 20,000 00
,422,723 99
306,785 68
Balance, ' . $1,115,938 31
HAMBURG-BREMEN FIRE INSURANCE CO.
375
Liabilities.
Losses adjusted, unpaid, ....
claimed and reported, .
disputed or resisted,
Unearned premiums on outstanding risks,
Commissions and brokerage, .
Gross liabilities, except capital,
Deduct liability on special deposits,
Surplus as regards policy-holders, .
Deposit capital,
Surplus over capital,
$2,300 00
68,000 00
15,765 00
797,697 94
17,870 72
$901,633 66
64,975 93
$836,657 73
$279,280 58
200,000 00
$79,280 58
Income.
Fire premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed, .
Total,
Premiums now in course of collection,
5,561 65
1,419,244 46
^1,517,806 11
107,338 31
Entire premiums collected, .... $1,410,467 80
Less reinsurance and return premiums, . . 286,763 94
Net cash fire premiums received, . . . $1,123,703 86
Interest and dividends received from all sources, . . . 47,178 66
Gross cash income, $1,170,882 52
Expenditures.
Cash paid for fire losses, . . . . $581,588 16
Deduct salvage and reinsurance, . . . 18,317 34
Net cash paid for fire losses, ....
Cash paid for commissions and brokerage,
for salaries of officers and employees, .
for State and local taxes,
for incidentals, ......
Gross cash expenditures, .
$563,270 82
235,353 07
92,115 97
25,369 27
65,190 06
Risks and Premiums.
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
Total,
Deduct risks expired and terminated,
In force at end of year, ....
Deduct amount reinsured,
Net amount in force, ....
Miscellaneous.
Fire losses incurred during the year,
$124,734,734 00
114,178,711 00
$238,913,445 00
109,493,578 00
$129,419,867 00
4,461,653 00
$981,299 19
Premiums.
$1,648,163 86
1,419,244 46
$3,067,408 32
1,443,999 73
$1,623,408 59
50,749 55
$124,958,214 00 $1,572,659 04
$551,731 00
376
THE IMPERIAL INSURANCE CO. (LIMITED).
UNITED STATES BRANCH OF "THE IMPERIAL INSURANCE
COMPANY (LIMITED)," LONDON, ENGLAND.
Deposit Capital, $200,000.
COURTNEY & McCAY, Resident Managers.
Office, 33 Pine Street, New York, N Y.
Detailed Statement op
United States bonds, .
New York city bonds,
City of Boston bonds,
City of Providence bonds,
West Shore Railroad bonds,
Lehigh Valley Railroad bonds,
West Virginia State certificates,
County of Essex, N J., park bonds,
Hudson County, N. J., bonds, .
Stocks and Bonds.
Par Value.
$481,000 00
110,000 00
100,000 00
50,000 00
100,000 00
40,000 00
28,666 67
100,000 00
50,000 00
Market Value.
|526,695 00
111,200 00
102,875 00
51,000 00
106,000 00
42,000 00
1,433 33
103,000 00
54,000 00
,059,666 67 $1,097,703 33
Summary of Assets Dec. 31, 1895
Cash value of unencumbered real estate, .
Stocks and bonds, as per schedule, .
Cash deposited in bank, ....
Interest due and accrued, ....
Premiums in course of collection (gross),
Rents due and accrued, ....
Premiums more than three mos.due, $9,427 96
Gross assets, ......
$476,634 70
1,097,703 33
132,004 33
5,091 67
186,013 84
2,773 50
$1,900,221 37
Unadmitted.
Special deposits in other States,
Cash not in control of trustees,
$268,275 00
132,004 33
400,279 33
Balance, $1,499,942 04
Liabilities.
Losses adjusted, unpaid, .
claimed and reported, .
disputed or resisted,
Total amount of losses,
Less reinsurance,
Net amount of unpaid losses, .
Unearned premiums on outstanding risks,
M>,680 38
55,165 75
11,067 14
,913 27
6,108 22
$77,805 05
875,587 59
THE IMPERIAL INSURANCE CO. (LIMITED )
377
Commissions and brokerage, .
Reinsurance disallowed, .
Gross liabilities, except capital,
Deduct liability on special deposits,
Surplus as regards policy-holders, .
Deposit capital,
Surplus over capital, .
Income.
Fire premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed, .
Total,
Premiums now in course of collection, .
$20,003 61
623 48
$974,019 73
62,396 73
$200,297 36
1,553,747 33
51,754,044 69
195,441 80
Entire premiums collected, .... $1,558,602 89
Less reinsurance and return premiums, . . 389,100 47
Net cash fire premiums received, . . . -
Interest and dividends received from all sources, .
Income from rents,
$911,623 00
$588,319 04
200,000 00
$388,319 04
,169,502 42
37,267 68
36,699 66
Gross cash income, $1,243,469 76
Expenditures.
Cash paid for fire losses
Deduct salvage and reinsurance,
Net cash paid for fire losses, ....
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for incidentals, ....
Gross cash expenditures, ....
$682,081 91
56,411 66
$625,670 25
215,251 23
102,965 85
46,741 17
56,175 79
$1,046,804 29
Risks and Premiums.
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895, .
Total, . .
Deduct risks expired and terminated
In force at end of year,
Deduct amount reinsured, .
Net amount in force, .
$182,650,878 00
134,638,866 00
$317,289,744 00
143,285,275 00
$174,001,469 00
12,351,582 00
Premiums.
$1,856,213 34
1,553,747 33
$3,409,960 67
1,554,582 57
$1,855,378 10
118,009 32
$161,652,887 00 $1,737,368 78
Miscellaneous.
Fire losses incurred during the year, . ,
$592,656 00
378
LANCASHIRE INSURANCE CO.
UNITED STATES BRANCH OF THE "LANCASHIRE INSURANCE
COMPANY," MANCHESTER, ENGLAND.
Deposit Capital, $200,000.
E. LITCHFIELD, Resident Manager.
Office, New York, N. Y.
Detailed Statement of Stocks and Bonds.
Par Value. Market Value.
United States bonds, . . . . . . $600,000 00 $655,000 00
Albany & Susquehanna Railroad bonds, . . 15,000 00 17,700 00
Atchison, Topeka & Santa Fe Railroad bonds, 45,000 00 34,200 00
Baltimore & Ohio Railroad bonds, . . . 75,000 00 84,400 00
Brooklyn & Montauk Railroad bonds, . . 30,000 00 32,400 00
Chicago, Burlington & Quincy Railroad, . 35,000 00 34,825 00
Chicago, Milwaukee & St. Paul Railroad, . 45,000 00 50,400 00
Chicago & Northwestern bonds, . . . 40,000 00 40,125 00
Chicago, Rock Island & Pacific Railroad bonds, 20,000 00 26,000 00
Cleve., Cin , Chic & St. Louis R.R. bonds, . 50,000 00 47,000 00
Chicago, St. Louis & New Orleans R.R bonds, 50,000 00 52,850 00
City of Portland, Oregon, water bonds, . . 50,000 00 55,000 00
Detroit, Monroe & Toledo Railroad bonds, . 19,000 00 23,940 00
Illinois Central Railroad bonds, . . . 30,000 00 31,100 00
Michigan Central Railroad, .... 15,000 00 17,850 00
Milwaukee & St Paul Railroad Company, . 10,000 00 12,300 00
N. Y. Central & Hudson River R.R bonds, . 10,000 00 12,000 00
New York, Lack. & Western Railroad bonds, . 15,000 00 20,287 50
Northern Central Railroad bonds, . . . 14,000 00 16,240 0J
North Pennsylvania Railroad bonds, . . 10,000 00 12,400 00
Ottumwa, Cedar Falls & St. Paul R.R. bonds, 20,000 00 21,700 00
Philadelphia & Erie Railroad bonds, . . 18,000 00 23,940 00
Pennsylvania Railroad Company, . . . 30,000 00 35,525 00
Rome, Watertown & Ogdensburg R R. bonds, 25,000 00 29,250 00
Syracuse, Binghampton & N. Y. R.R. bonds, . 22,000 00 27,940 00
State of Georgia bonds, 25,000 00 25,250 00
St. Paul & Northern Pacific Railroad bonds, . 22,000 00 27,280 00
St. Paul, Minneapolis & Manitoba R R. bonds, 50,000 00 52,000 00
Western Pennsylvania Railroad bonds, . . 10,000 00 10,200 00
County of Essex, N. J., park bonds, . . 20,000 00 20,400 00
Summary of Assets Dec
Cash value of unencumbered real estate,
Stocks and bonds, as per schedule, .
Cash in the office of the company, .
Cash deposited in bank, ....
Premiums in course of collection (gross),
Gross assets, .....
$1,420,000 00 $1,549,502 50
31, 1895.
>,585 72
1,549,502 50
1,129 88
127,201 61
244,436 33
5,307,856 04
LANCASHIRE INSURANCE CO.
379
Unadmitted.
Special deposits in other States,
Cash not in control of trustees,
$245,250 00
50,450 47
$295,700 47
Balance, $2,012,155 57
Liabilities.
Losses adjusted, unpaid, $70,460 18
claimed and reported, .... 119,953 00
disputed or resisted, .... 38,589 95
Unearned premiums on outstanding risks, . 1,263,811 57
State and local taxes, ..... 5,000 00
Commissions and brokerage, .... 40,000 00
Reinsurance disallowed, 3,083 25
Gross liabilities, except capital, . . $ 1,540,897 95
Deduct liability on special deposits, . . . 98,969 60
Surplus as regards policy-holders, . . .
Deposit capital,
Surplus over capital,
1,441,928 35
$570,227 22
200,000 00
$370,227 22
Income.
Fire premiums outstanding Dec. 31, 1894, . $257,941 20
Premiums on risks written or renewed, . . 2,584,042 13
Total, $2,841,983 33
Premiums now in course of collection, . . 244,436 33
Entire premiums collected, . . . . $2,597,547 00
Less reinsurance and return premiums, . . 700,895 57
Net cash fire premiums received, . . .
Interest and dividends received from all sources, .
Income from rents, . . . . . . . .
Gross cash income,
,896,651 43
65,964 26
3,443 83
[,966,059.52
Expenditures.
Cash paid for fire losses,
for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for incidentals, ....
Gross cash expenditures, , , t
[,113,679 61
313,603 94
171,951 02
42,957 96
149,964 34
[,792,156 87
380
LION FIRE INSURANCE CO.
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
Risks and Premiums.
Premiums.
$223,683,276 00 12,598,721 01
224,395,432 00 2,584,042 13
Total,
Deduct risks expired and terminated,
In force at end of year, .
Deduct amount reinsured,
Net amount in force, .
$448,078,708 00 $5,182,763 14
217,651,094 00 2,562,295 59
$230,427,614 00 $2,620,467 55
21,484,388 00 191,739 55
$208,943,226 00 $2,428,728 00
Miscellaneous.
Fire losses incurred during the year,
$ 1,062,339
UNITED STATES BRANCH OF THE "LION FIRE INSURANCE
COMPANY," LONDON, ENGLAND.
Deposit Capital, $200,000.
M. BENNETT, Business Manager.
Office, Hartford, Conn.
Detailed Statement of Stocks and Bonds.
Par Value.
United States bonds, $50,000 00
Brooklyn School Improvement bonds, . . 210,000 00
City of Richmond bonds, 17,000 00
Georgia State bonds, 25,000 00
Central Railroad of New Jersey bonds, . . 25,000 00
County of Lucas, Ohio, Court House bonds, . 100,000 00
Baltimore & Ohio bonds 25,000 00
Staten Island Railway bonds, .... 16,000 00
Market Value.
$54,750 00
214,200 00
17,000 00
25,000 00
28,531 25
101,000 00
25,781 25
16,400 00
$468,000 00 $482,662 50
Summary of Assets Dec. 31, 1895.
Loans on mortgage of real estate (first liens*), $192,950 00
Interest due or accrued thereon, . . . 4,412 81
Stocks and bonds, as per schedule, . . . 482,662 50
Cash in the office of the company, . . . 267 67
Cash deposited in bank, 123,977 83
Interest due and accrued, .... 6,227 08
Premiums in course of collection (gross), . 63,959 51
Gross assets,
574,457 40
Value of lands mortgaged $149,475 00
Value of buildings thereon, 289,675 00
Amount o-i insurance held as" collateral 236,800 00
LION FIRE INSURANCE CO.
381
Unadmitted.
Special deposits in other States,
Cash not in control of trustees,
$197,750 00
4,245 50
$201,995 50
Balance, $672,461 90
Liabilities.
Losses adjusted, unpaid, ....
claimed and reported, .
disputed or resisted,
Unearned premiums on outstanding risks,
Commissions and brokerage, .
Gross liabilities, except capital,
Deduct liability, on special deposits,
Surplus as regards policy-holders, .
Deposit capital,
Surplus over capital,
$17,841 85
33,689 50
9,634 20
371,609 93
11,792 57
$444,568 05
51,976 84
392,591 21
$279,870 69
200,000 00
$79,870 69
Income.
Fire premiums outstanding Dec. 31, 1894, . $64,885 91
Premiums on risks written or renewed, . . 749,667 44
Total, $814,553 35
Premiums now in course of collection, . . 63,959 51
Entire premiums collected, , $750,593 84
Less reinsurance and return premiums, . . 211,937 85
Net cash fire premiums received, . . . $538,655 99
Interest received on mortgages, 10,149 72
Interest and dividends received from all other sources, . . 17,863 21
Gross cash income, $566,668 92
Expenditures.
Cash paid for fire losses, . . .
for commissions and brokerage,
I for salaries of officers and employees,
for State and local taxes,
for incidentals, ....
Gross cash expenditures,
$320,965 27
106,399 95
35,487 70
14,438 28
42,866 29
$520,157 49
382 LIVERPOOL AND LONDON AND GLOBE INSURANCE CO.
Risks and Premiums.
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
Total,
Deduct risks expired and terminated,
In force at end of year, .
Deduct amount reinsured,
Net amount in force,
Miscellaneous
Fire losses incurred during the year,
$68,841,388 00
. 58,725,954 00
Premiums.
$859,750 93
749,667 44
$127,567,342 00
62,235,378 00
165,331,964 00
5,123,039 00
.,609,418 37
800,902 65
,515 72
73,807 68
$60,208,925 00 $734,708 04
$298,648 00
UNITED STATES BRANCH OF THE "LIVERPOOL AND LONDON
AND GLOBE INSURANCE COMPANY," LIVERPOOL, ENGLAND.
Deposit Capital, $200,000.
HENRY W. EATON, Resident Manager.
Office, New York, N. Y.
Detailed Statement of Stocks and Bonds.
Par Value. Market Value.
United States bonds, . . . . . . $1,575,000 00 f 1,724,625 00
New York city bonds, 50,000 00 50,500 00
Richmond city bonds, 5,000 00 6,650 00
Boston city bonds, 180,000 00 209,250 00
Summary of Assets Dec
Cash value of unencumbered real estate,
Loans on mortgage of real estate (first liens*)
Interest due or accrued thereon,
Stocks and bonds, as per schedule, .
Cash in the office of the company, .
Cash deposited in bank,f .
Interest due and accrued, . . .
Premiums in course of collection (gross)
Rents due and accrued,
Loans on life policies,
Miscellaneous,
Premiums more than three mos. due, $ 58,518 90
Gross assets,
f 1,810,000 00 $1,991,025 00
31, 1895.
$1,752,000 00
3,588,318 64
47,657 28
1,991,025 00
2,697 08
912,594 10
' 526 86
845,782 10
15,000 00
14,798 00
35 00
$9,170,434 06
* Value of lands mortgaged, $3,230,400 00
Value of buildings thereon, . . . ' . . . 3,580,903 00
t Since December 31 $500,000 has been subscribed for the new government loan, for account
of home office.
LIVERPOOL AND LONDON AND GLOBE INSURANCE CO. 383
Unadmitted.
Special deposits in other States,
Cash not in control of trustees,
$240,900 00
166,765 48
$407,665 48
Balance, $8,762,768 58
Liabilities.
Losses adjusted, unpaid, ....
$3,446 54
claimed and reported, .
767,357 00
disputed or resisted, .
143,430 00
Total amount of losses,
$914,233 54
Less reinsurance,
280,651 00
Net amount of unpaid losses, .
$633,582 54
Unearned premiums on outstanding risks,
4,075,773 63
Reclaimable on perpetual fire policies, .
330,616 21
Liabilities under life department,
104,109 94
Commissions and brokerage, .
93,356 42
68,877 76
Reinsurance disallowed, ....
12,791 70
Contingent reserve,
37,208 30
Gross liabilities, except capital,
$5,356,316 50
Deduct liability on special deposits, .
199,031 56
Surplus as regards policy-holders, .
5,157,284 94
$3,605,483 64
200,000 00
$3,405,483 64
Income.
Fire premiums outstanding Dec. 31, 1894,
Same not collected, . . . . .
Net collected,
Premiums on risks written or renewed, .
Total,
Premiums now in course of collection, .
Entire premiums collected, ...
Less reinsurance and return premiums, ,
Net cash fire premiums received,
Interest received on mortgages,
Interest and dividends received from all other
Income from rents,
Deposits received for perpetual fire risks,
Gross cash income, ,
$856,628 72
10,033 57
$846,595 15
7,224,648 57
$8,071,243 72
904,301 00'
$7,166,942 72
1,576,847 02
sources, .
$7,266 80
1,590,095 70
148,220 97
71,223 20
59,735 36
1,869,275 23
384
LONDON ASSURANCE CORPORATION.
Expenditures.
Cash paid for fire losses, $
Deduct salvage and reinsurance,
Net cash paid for fire losses, ....
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for incidentals, ....
Deposits returned on perpetual fire risks,
Gross cash expenditures, ....
1,529,215 65
398,322 98
,277 55
!,130,892 67
945,105 30
317,499 69
111,788 93
322,909 02
. $4,828,195 61
Risks and Premiums.
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
Total,
Deduct risks expired and terminated,
In force at end of year,
Deduct amount reinsured,
Net amount in force, .
$890,988,334 00
715,761,722 00
$1,606,750,056 00
704,246,200 00
$902,503,856 00
57,239,571 00
Premiums.
$8,546,571 40
7,224,648 57
$845,264,285 00
Perpetual risks in force (not included above), $10,21.8,499 00
Miscellaneous.
Fire losses incurred during the year, . .
115,771,219 97
7,310,652 85
5,460,567 12
492,101 08
$7,968,466 04
$348,017 06
$3,058,469 00
UNITED STATES BRANCH OF THE "LONDON ASSURANCE
CORPORATION," LONDON.
[fire branch.]
Deposit Capital, $200,000.
CHAS. L. CASE, Resident Manager.
Office, New York.
Detailed Statement of Stocks and Bonds.
Par Value. Market Value.
United States bonds, $630,000 00 $705,600 00
Baltimore Belt R.R. bonds, ' . . . . 16,000 00 15,600 00
Central R.R. of New Jersey bonds, . . 40,000 00 46,400 00
Chicago, Milwaukee & St. Paul R.R. bonds, . 50,000 00 55,375 00
Milwaukee & St. Paul R.R. bonds, . . 50,000 00 61,000 00
Chic, St. Louis & New Orleans R.R. bonds, . 8,000 00 9,600 00
Colorado Midland Railway Co. bonds, . . 35,000 00 26,250 00
Denver & Rio Grande bonds, . . . 30,000 00 25,800 00
Erie Railway bonds, 50,000 00 69,000 00
LONDON ASSURANCE CORPORATION.
385
Lehigh Valley Railway Co. bonds,
Long Island K 11. bonds, ....
Louisville & Nashville R.R. bonds,
Mil., Lake Shore & Western R.R. bonds,
Philadelphia & Reading R.R. bonds,
Pittsburgh, Cin., Chie & St. Louis bonds,
St. Paul, Minneapolis & Manitoba R.R. bonds
Scioto Valley & New England R.R. bonds,
City of Richmond, Va., bonds,
Caith., Watcrt'n & Sacketts Harbor R.R. b'ds,
Par Value.
$30,000 00
45,000 00
25,000 00
25,000 00
15,000 00
25,000 00
55,000 00
30,000 00
50,000 00
33,000 00
Market Value.
$31,200 00
53,325 00
29,250 00
31,250 00
11,325 00
27,000 00
65,900 00
25,500 00
50,000 00
39,270 00
$1,242,000 00 $1,378,645 00
Summary of Assets Dec. 31, 1895.
Loans on mortgage of real estate (first liens *),
Stocks and bonds, as per schedule, .
Cash in the office of the company, .
deposited in bank, . .
in hands of agents, ....
Premiums in course of collection (gross),
Gross assets,
$15,000 00
1,378,645 00
1,611 03
130,393 63
265 70
127,242 84
$1,653,158 20
Unadmitted.
Special deposits in other States,
Cash not in control of trustees,
$248,800 00
5,234 94
254,034 94
Balance, $1,399,123 26
Liabilities.
Losses adjusted, unpaid, .
claimed and reported,
disputed or resisted,
...
inding risks,
policies, .
$16,515 00
40,073 00
23,833 00
Total amount of losses,
Less reinsurance,
$80,421 00
500 00
Net amount of unpaid losses,
Unearned premiums on outsta
Reclaimable on perpetual fire
$79,921 00
743,466 03
174 80
* Total value of property mortgaged, .
Amount of insurance held aB collateral,
$30,000 00
15,000 00
386
LONDON ASSURANCE CORPORATION.
Commissions and brokerage, .
Reinsurance, . . .
Gross liabilities, except capital,
Deduct liability on special deposits,.
Surplus as regards policy-holders, .
Deposit capital, .....
$21,523 95
801 87
1845,887 65
53,850 38
Surplus over capital, ....
Income.
Fire premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed, .
Total,
Premiums now in course of collection, .
Entire premiums collected,
Less reinsurance and return premiums, .
Net cash fire premiums received,
Interest received on mortgages,
Interest and dividends received from all other
Gross cash income,
Expenditures.
Cash paid for fire losses, $511,030 89
Deduct salvage and reinsurance, . . . 30,202 37
Net cash paid for fire losses, .
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for incidentals,
Deposits returned on perpetual fire risks, . $93,926 26
Gross cash expenditures,
$110,500 38
1,065,107 55
^1,175,607 93
127,242 84
$1,048,365 09
220,979 34
sources,
Risks and Premiums.
Fire risks outstanding Dec. 31, 1894, .
Fire risks written during 1895, .
Total,
Deduct risks expired and terminated,
In force at end of year,
Deduct amount reinsured, .
Net amount in force, .
Perpetual risks in force (included above),
$181,679,673 00
115,111,511 00
$296,791, 184 00
122,094,024 00
$174,697,160 00
8,840,775 00
$165,856,385 00
$11,200 00
$792,037 27
$607,085 99
200,000 00
$407,085 99
,385 75
675 00
56,751 26
$884,812 01
$480,828 52
156,548 71
72,069 23
23,096 93
59,975 47
$792,518 86
Premiums.
51,682,241 22
1,065,107 55
Miscellaneous.
Fire losses incurred during the year,
52,747,348 77
1,171,329 38
51,576,019 39
79,498 06
51,496,521 33
$184 00
$447,676 00
LONDON ASSURANCE CORPORATION.
387
UNITED STATES BRANCH OF THE "LONDON ASSURANCE
CORPORATION, 11 LONDON.
[marine branch]
Deposit Capital, $300,000.
CLEMENT L. DESPARD, Manager and Attorney.
Office, New York, N. Y.
Detailed Statement of Stocks and Bonds.
New York city water stock, * .
Boston city bonds,
Brooklyn city bonds, . . .
New York city bonds, ....
Cleveland, Cincinnati, Chicago & St*. Louis Vds
Chicago & Erie Railroad bonds,
Chesapeake & Ohio Railroad bonds,
Par Value.
$100,000 00
100,000 00
100,000 00
10,000 00
50,000 00
50,000 00
50,000 00
Market Value.
$100,500 00
100,000 00
95,000 00
10,100 00
47,250 00
53,000 00
52,750 00
$460,000 00 $458,600 00
Summary of Assets Dec. 31, 1895.
Stocks and bonds, as per schedule, .
Cash in the office of the company, .
Cash deposited in bank, ....
Interest due and accrued, ....
Premiums in course of collection (gross),
Notes taken for marine and inland risks,
Reinsurance,
Gross assets,
$158,600 00
238 57
117,317 13
5,889 59
91,420 98
28,846 23
18,178 10
$720,490 60
Unadmitted.
Cash not in control of trustees,
Bills receivable,
Balance,
$238 57
28,846 23
29,084 80
1,405 80
Liabilities,
Losses adjusted, unpaid,
Less reinsurance,
Net amount of unpaid losses, . . .
Unearned premiums on outstanding* risks,
Commissions and brokerage, .
$206,036 00
55,187 00
$150,849 00
63,489 05
6,279 66
388
LONDON ASSUKANCE COKPORATION.
Return premiums and reinsurance, .
Reinsurance disallowed, .
Gross liabilities, except capital,
$9,646 25
83,868 80
$314,132 76
Surplus as regards policy-holders, $377,273 04
Deposit capital, 300,000 00
Surplus over capital, $77,273 04
Income.
Marine premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed, .
Total, . $ 564,452 28
Premiums now in course of collection, . . 91,420 98
Entire premiums collected, .... $473,031 30
Less reinsurance and return premiums, . . 88,999 85
Net cash marine premiums received,
Interest and dividends received from all sources,
),495 73
513,956 55
$384,031 45
17,999 25
Gross cash income, $402,030 70
Expenditures.
Cash paid for marine and inland losses; . . $314,718 85
Deduct salvage and reinsurance, . . . 29,589 67
Net cash paid for marine and inland losses, . ■ $285,129 18
Cash jDaid for commissions and brokerage, .... 40,270 36
for salaries of officers and employees, . . . 14,138 86
for State and local taxes, 8,049 37
for rent and incidentals, . . . . . . 12,883 36
Remitted to home office, . . ' . ; . ' . $3,939 32
Gross cash expenditures, f 360,471 13
Risks and Premiums.
Marine risks outstanding Dec. 31, 1894,
Marine risks written during 1895, .
Total,
Deduct risks expired and terminated,
In force at end of year, .
Deduct amount reinsured, . ,
Net amount in force, .
$2,892,001 00
86,658,838 00
,550,839 00
85,320,741, 00
$4,230,098 00
1,365,115 00
Premiums.
$58,340 75
513,956 55
$572,297 30
480,126 45
,170 85
28,681 80
,864,983 00 $63,489 05
Miscellaneous.
Marine and inland losses incurred during the year,
$362,402 00
LONDON AND LANCASHIRE FIRE INSURANCE CO.
389
UNITED STATES BRANCH OF THE " LONDON AND LANCASHIRE
FIRE INSURANCE COMPANY," LIVERPOOL, ENGLAND.
Deposit Capital, $200,000.
ARCHIBALD G-. McILVAINE, Jr., Manager.
Office, New York, N. Y.
Detailed Statement of Stocks and Bonds.
Par Value. Market Value.
New York city bonds, $120,000 00 $120,600 00
U. S. Registered bonds, 322,500 00 358,025 00
City of Richmond bonds, 50,000 00 51,000 00
Baltimore & Ohio Railroad bonds, . . . 100,000 00 110,000 00
Chicago & Northwestern R.R. bonds, . . 100,000 00 119,000 00
Chicago, Rock Island & Pacific Railroad bonds, 90,000 00 117,900 00
Central Railroad of New Jersey bonds, . . 105,000 00 121,012 00
Cin., Ind., St. Louis & Chicago R.R bonds, . 100,000 00 100,000 00
Delaware & Hudson Railroad Company bonds, 25,000 00 36,250 00
Lake Shore & Michigan Southern R.R. bonds, 92,000 00 105,800 00
N. Y. Central & Hudson River Railroad bonds, 75,000 00 91,500 00
New York & Harlem River Railroad bonds, . 50,000 00 57,500 00
West Shore Railroad Company bonds, . . 80,000 00 85,200 00
Lake Erie & Western Railroad bonds, . . 50,000 00 58,000 00
Lehigh Valley Railroad bonds, . . . 25,000 00 25,750 00
Milwaukee, Lake Shore & Western bonds, . 50,000 00 55,750 00
Baltimore Belt Railroad bonds, . . . 25,000 00 25,500 00
Chesapeake & Ohio R.R. bonds, . . . 50,000 00 53,000 00
Cincinnati, Dayton & Ironton bonds, . . 20,000 00 21,800 00
Beech Creek R.R. bonds, . . . . . 27,000 00 28,350 00
Flint and Pere Marquette bonds, . . .. 25,000 00 23,125 00
New York, Chicago and St. Louis R.R. bonds, 50,000 00 51,250 00
New York, Ontario & Western bonds, . . 20,000 00 21,800 00
St. Paul, Minneapolis and Manitoba bonds, . 50,000 00 53,000 00
Chicago, Milwaukee & St. Paul R.R bonds, . 20,000 00 22,500 00
Central Ohio R.R. bonds, . • . . . . 50,000 00 54,250 00
State of Georgia bonds, . ■ . . . . 25,000 00 29,541 00
Milwaukee Underwriters' Building Asso. stock, 83 00 83 00
Summary of Assets Dec
Cash value of unencumbered real estate,
Stocks and bonds, as per schedule, ,
Cash in the office of the company, .
Cash deposited in bank, ....
Premiums in course of collection (gross),
Notes taken for marine and inland risks, .
Rents clue and accrued, . .
Reinsurance due, .....
Gross assets, . « . . ,
$1,796,583 00 $1,997,489 00
31, 1895.
$299,125 00
1,997,489 00
37,846 59
51,555 65
289,839 03
12,195 60
3,509 91
9 74
$ 2,69 1,570 52
390
LONDON AND LANCASHIRE FIRE INSURANCE CO.
Unadmitted.
Special deposits in other States,
Cash not in control of trustees,
$247,044 00
89,402 24
$336,446 24
Balance, $2,355,124 28
Liabilities.
Losses adjusted, unpaid, .
claimed and reported, , .
disputed or resisted,
Total amount of losses, .
Less reinsurance,
Net amount of unpaid losses, .
Unearned premiums on outstanding
Commissions and brokerage, .
Return premiums and reinsurance,
Reinsurance disallowed, .
Gross liabilities, except capital,
Deduct liability on special deposits,
Surplus as regards policy-holders,
Deposit capital, ....
Surplus over capital, .
risks,
$24,272 60
103,367 72
36,352 40
$163,992 72
29,090 63
$134,902 09
1,504,255 56
53,628 99
18,759 83
50,430 48
^1,761,976 95
113,957 68
1,648,019 27
$707,105 01
200,000 00
$507,105 01
Income.
Fire premiums outstanding Dec. 31, 1894,
Same not collected,
Net collected,
Premiums on risks written or renewed, .
Total,.
Premiums now in course of collection, .
$335,706 31
493 84
$335,212 47
2,552,790 03
>,888,002 50
319,625 30
Entire premiums collected,
Less reinsurance and return premiums, .
Net cash tire premiums received,
Interest and dividends received from all sources,
Income from rents, . . * .
$2,568,377 20
709,370 56
$1,859,006 64
81,372 73
11,107 53
Gross cash income,
$1,951,486 90
MANCHESTER FIRE ASSURANCE CO.
391
Expenditures.
Cash paid for fire losses, $1,119,69161
Deduct salvage and reinsurance, . . . 134,021 53
Net cash paid for fire losses, .... $985,670 08
Cash paid for commissions and brokerage, .... 354,645 30
for salaries of officers and employees, . . . 144,232 37
for State and local taxes 40,120 64
for rents and incidentals, 121,554 02
Gross cash expenditures, $1,646,222 41
Risks and Premiums.
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
Total
Deduct risks expired and terminated,
In force at end of year, .
Deduct amount reinsured,
Net amount in force, . . .
Premiums.
,835,341 00 $3,327,756 31
283,613,817 00 2,552,790 03
$650,449,158 00 $5,880,546 34
269,191,660 00 2,770.866 96
$381,257,498 00 $3,109,679 38
16,625,009 00 184,564 84
$364,632,489 00 $2,925,114 54
Miscellaneous.
Fire losses incurred during the year,
. $924,587 00
UNITED STATES BRANCH OF THE "MANCHESTER FIRE AS-
SURANCE COMPANY," MANCHESTER, ENGLAND.
Deposit Capital, $200,000.
W. W. DUDLEY, Manager.
Office, Chicago, 111.
Detailed Statement of Stocks
New York City bonds,
United States bonds, ....
District of Columbia bonds,
Wheeling & Lake Erie Railroad bonds,
Lehigh Valley Railroad bonds,
St. Paul, Minn. & Manitoba Railroad bonds,
Chesapeake & Ohio Railroad bonds,
Chic, Milwaukee & St. Paul Railroad bonds,
Chicago & Eastern Illinois Railroad bonds,
Knoxville & Ohio Railroad bonds, .
and Bonds.
Par Value.
$200,000 00
427,000 00
20,000 00
30,000 00
25,000 00
25,000 00
25,000 00
51,000 00
27,000 00
15,000 00
Market Value.
$202,000 00
469,700 00
22,000 00
30,600 00
26,500 00
26,500 00
26,500 00
57,630 00
33,885 00
17,625 00
392
MANCHESTER FIRE ASSURANCE CO.
Par Value. • Market Value.
Central Railroad of New Jersey bonds, . . $55,000 00 $64,350 00
West Shore Railroad bonds, .... 25,000 00 26,625 00
Baltimore & Ohio Railroad bonds, . . . 79,000 00 88,450 00
Pennsylvania Railroad bonds, . . . 75,000 00 81,600 00
Chicago & Western Indianna Railroad bonds, 80,000 00 93,600 00
Atlanta & Charlotte Air Line Railroad bonds, 14,000 00 16,800 00
Atchison, Topeka & Santa Fe Railroad bonds, 16,500 00 11,880 00
Lake Erie & Western Railroad bonds, . . 13,000 00 14,950 00
Chic, St. Louis & New Orleans Railroad b'ds, 25,000 00 29,625 00
Northern Pacific Railroad bonds, . . . 15,000 00 17,550 00
Bur., Cedar Rapids & Northern Railroad b'ds, 25,000 00 25,750 00
Illinois Central Railroad bonds, . . . 16,000 00 17,200 00
Beech Creek Railroad bonds, . . . . 75,000 00 78,750 00
City of Brooklyn bonds, 200,000 00 200,000 00
City of Newark water bonds, . . . . 50,000 00 53,000 00
$1,608,500 00 $1,733,070 00
Summary of Assets Dec. 31, 1895
Stocks and bonds, as per schedule, .
Cash in the office of the company, .
deposited in bank and with trustees
deposited in Oregon,
Interest due and accrued, .
Premiums in course of collection (gross)
Reinsurance, ...
Gross assets, ....
L,733,070 00
21,197 84
71,243 16
50,000 00
6,697 50
297,072 00
1,349 00
>,180,629 50
Unadmitted.
Special deposits in other States,
Cash not in control of trustees,
$187,500 00
67,411 00
254,941 00
Balance $1,925,688 50
Liabilities.
Losses adjusted, unpaid, ....
claimed and reported, .
disputed or resisted,
Total amount of losses, .
Less reinsurance, . .
Net amount of unpaid losses, .
Unearned premiums on outstanding risks,
$93,374 32
78,182 82
51,225 33
$222,782 47
18,049 27
$204,733 20
1,199,676 98
MANCHESTER FIRE ASSURANCE CO.
393
Commissions and brokerage, .
Reinsurance disallowed, .
Gross liabilities, except capital, .
Deduct liability on special deposits, .
Surplus as regards policy-holders, .
Deposit capital,
$56,118 6t
3,294 96
,463,823 75
76,236 43
,387,587 32
Surplus over capital, ....
Income.
Fire premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed, .
Total,
Premiums now in course of collection, .
Entire premiums collected,
Less reinsurance and return premiums, .
Net cash fire premiums received,
Interest and dividends received from all sources,
Remittance from home office, .
$538,101 18
200,000 00
$338,101 18
Gross cash income,
$270,040 86
2,067,584 41
52,337,625 27
297,072 00
$2,040,553 27
516,401 72
$1,524,151 55
60,417 50
$53,617 50
$1,584,569 05
Expenditures.
Cash paid for fire losses, . . . . . $1,059,196 84
Deduct salvage and reinsurance, . . . 39,456 89
Net cash paid for fire losses, .... $1,019,73995
Cash paid for commissions and brokerage, .... 298,748 65
for salaries of officers and employees, . . . 91,287 51
for State and local taxes, 39,764 55
for incidentals, 113,006 52
Remitted to home oflace, . . . . . $26,825 00
Gross cash expenditures, $1,562,547 18
Risks and Premiums.
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
Total,
Deduct risks expired and terminated,
In force at end of year, .
Deduct amount reinsured,
Net amount in force, .
$188,102,243 00
157,692,907 00
$345,795,150 00
151,623,915 00
$194,171,235 00
8,036,928 00
Premiums.
$2,460,144 14
2,067,584 41
$4,527,728 55
2,052,631 62
>,475,096 93
115,275 10
$186,134,307 00 $2,359,821 83
Miscellaneous.
Fire losses incurred during the year, .
$959,671 00
394
MANNHEIM INSUEANCE CO.
UNITED STATES BRANCH OF THE "MANNHEIM INSURANCE
COMPANY," MANNHEIM, GERMANY.
Deposit Capital, $300,000.
JAS. JOHNSTONE RILEY, Resident Manager.
Office, New York City.
Detailed Statement of Stocks and Bonds.
United States bonds, .
New York City stock,
Par Value. Market Value.
. $100,000 00 $ 110,000 00
250,000 00 250,000 00
$350,000 00 $360,000 00
Summary of Assets Dec. 31, 1895.
Stocks and bonds, as per schedule, .
Cash in the office of the company,- .
Cash deposited in bank,
Premiums in course of collection (gross)
Notes takeu for marine and inland risks
Gross assets, ....
$360,000 00
400 10
9,286 69
32,058 59
5,087 16
$406,832 54
Unadmitted.
Cash not in control of trustees,
9,686 79
Balance, $397,145 75
Liabilities.
Losses claimed and reported, .
Losses disputed or resisted,
Unearned premiums on outstanding risks
Due and accrued for rent, salaries, etc.,
Commissions and brokerage, .
Return premiums and reinsurance, .
Gross liabilities, except capital, .
Surplus as regards policy-holders, .
Deposit capital,
}10,t06 00
6,000 00
40,327 08
266 66
700 32
1,173 62
88,573 68
$308,572 07
300,000 00
Surplus over capital, .
5,572 07
MARINE INSURANCE CO. ( LIMITED).
395
Income.
Marine premiums outstanding Dec. 81, 1894,
Same not collected, ....
Net collected, ....
Premiums on risks written or renewed,
Total,
Premiums now in course of collection,
Entire premiums collected,
Less reinsurance and return premiums,
Net cash marine premiums received,
Received from home office, . $3,556 16
Gross cash income, ....
Expenditures.
Cash paid for marine and inland losses, .
Deduct salvage and reinsurance,
Net cash paid for marine and inland losses, .
Cash paid for commissions and brokerage, . ,
for salaries of officers and employees,
for State and local taxes,
for incidentals,
$27,319 21
486 77
>,832 44
207,123 62
$233,956 06
37,145 75
$196,810 31
12,201 56
113,581 04
36,327 71
Gross cash expenditures,
Risks and Premiums.
Marine risks outstanding Dec. 31, 1894, .
Marine risks written during 1895, .
Total,
Deduct risks expired and terminated,
In force at end of year, ....
Miscellaneous.
Marine losses incurred during the year, .
$1,351,054 00
41,845,662 00
$43,196,716 00
40,965,560 00
$184,608 75
$184,608 75
$177,253 33
14,176 41
11,186 95
4,670 20
5,599 52
$212,886 41
Premiums.
$38,035 31
207,123 62
$245,158 93
176,156 44
$2,231,156 00 $69,002 49
$186,057 00
UNITED STATES BRANCH OF THE "MARINE INSURANCE COM-
PANY" (LIMITED), LONDON, ENGLAND.
Deposit Capital, $300,000.
PERCY CHUBB, Resident Manager.
Office, New York City.
Detailed Statement of Stocks and Bonds.
Par Value. Market Value.
United States bonds $100,000 00 $110,000 00
New York city bonds, 300,000 00 300,000 00
Pennsylvania Railroad bonds, .... 50,000 00 60,000 00
N. Y. Central & Hudson River R.R. bonds, . 25,000 00 25,000 00
$475,000 00 $495,000 00
396
MARINE INSURANCE CO. (LIMITED) .
Summary of Assets Dec
Stocks and bonds, as per schedule, .
Cash in the office of the company, .
Cash deposited in bank, ....
Premiums in course of collection (gross),
Notes taken for marine and inland risks,
Reinsurance,
Gross assets, . . . . . .
Unadmitted.
Special deposits in other States, . . . $110,000 00
Cash not in control of trustees, . . . 22,335 33
Premiums in course of collection in excess of
unearned premiums, . . . . . 37,199 07
31, 1895.
$195,000 00
5,651 92
16,683 41
66,832 44
20,428 32
2,899 26
$607,495 35
169,534 40
Balance, $437,960 95
Liabilities.
Losses claimed and reported,
Less reinsurance,
Net amount of unpaid losses, .
Unearned premiums on outstanding risks,
State and local taxes, ....
Commissions and brokerage, . .
Reinsurance, ......
Reinsurance disallowed, ....
Gross liabilities, except capital,
Deduct liability on special deposits,
Surplus as regards policy-holders, .
Deposit capital,
Surplus over capital, .
$40,375 00
11,000 00
$29,375 00
43,197 31
4,000 00
4,547 70
30,832 54
11,654 00
$123,606 55
18,422 31
105,184 24
$332,776 71
300,000 00
$32,776 71
Income.
Marine premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed, .
Total, . . . . . . . . $415,166 48
Premiums now in course of collection, . . 87,260 76
Entire premiums collected,
Less reinsurance and return premiums, .
Net cash marine premiums received,
Interest and dividends received from all sources,
$62,889 96
352,276 52
$327,905 72
106,757 67
$221,148 05
10,218 99
Gross cash income, . . . . . . . . $231,367 04
NATIONAL ASSURANCE CO.
397
Expenditures.
Cash paid for marine and inland losses, . . $150,254 92
Deduct salvage and reinsurance, . . . 39,016 15
Net cash paid for marine and inland losses, .
Cash paid for commissions and brokerage, ....
for salaries of officers and employees, .
for State and local taxes,
$111,208 77
20,662 75
6,960 69
3,602 46
Gross cash expenditures, $142,434 67
Risks and Premiums.
Marine risks outstanding Dee. 31, 1894,
Marine risks written during 1895, .
Total,
Deduct risks expired and terminated,
In force at end of year, . . ,
Deduct amount reinsured,
Net amount in force, .
$17,941,236 00
280,618,843 00
$298,560,079 00
271,946,210 00
$26,613,869 00
3,716,677 00
Premiums.
$82,142 94
352,276 52
M31,419 46
384,357 77
$50,061 69
6,864 38
$22,897,192 00 $43,197 31
Miscellaneous.
Marine and inland losses incurred during the year,
. $105,624 00
UNITED STATES BRANCH OF THE "NATIONAL ASSURANCE
COMPANY," IRELAND.
Deposit Capital, $200,000.
GILBERT PALACHE, Manager.
Office, San Francisco, Gal.
Detailed Statement of Stocks and Bonds.
Par Value.
$120,000 00
20,000 00
Boston city bonds, . . .
Boston & Maine Railroad bonds,
150 shares Fitchburg Railroad stock
Lynn city bonds,
Old Colony Railroad bonds,
Reading (Pa.) city bonds, . .
15,000 00
15,000 00
20,000 00
10,000 00
Market Value.
|124,200 00
20,400 00
13,650 00
15,450 00
20,200 00
10,300 00
$200,000 00 $204,200 00
Summary of Assets Dec. 31, 1895.
Stocks and bonds, as per schedule, . . . $ 204,200 00
Cash deposited in bank, . 3,885 53
Gross assets, . , , , . . — — —
208,085 53
398
NORTH BRITISH AND MERCANTILE INSURANCE CO.
Liabilities.
Losses claimed and reported, .
Losses disputed or resisted,
Unearned premiums on outstanding risks,
Gross liabilities, except capital,
Surplus as regards policy-holders, .
Deposit capital,
$50 00
1,800 00
2,354 32
r ,204 32
Surplus over capital,
Income.
Cash fire premiums received, .
Gross cash income,
Expenditures.
Cash paid for fire losses, .
Gross cash expenditures, ,
Risks and Premiums.
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
Total, . . .
Deduct risks expired and terminated,
In force at end of year,
Deduct amount reinsured,
Net amount in force, .
Miscellaneous.
Fire losses incurred during the year,
$1,295,502 00
89,268 00
$1,384,770 00
705,761 00
$679,009 00
12,000 00
$203,881 21
200,000 00
$3,881 21
$442 80
$442 80
',121 73
r ,121 73
Premiums.
$23,747 84
442 80
$24,190 64
11,431 26
$12,759 38
439 95
$667,009 00 $12,319 43
1,311 00
UNITED STATES BRANCH OF THE "NORTH BRITISH AND
MERCANTILE INSURANCE COMPANY," LONDON AND EDIN-
BURGH.
Deposit Capital, $200,000.
HENRY E. BOWERS, Manager.
Office, New York, N. Y.
Detailed Statement op Stocks and Bonds.
Par Value. Market Value.
United States bonds, ....... $115,000 00 $411,905 00
N. Y. Central & H R. R.R. bonds, . . . 500,000 00 585,000 00
West Shore R R. bonds, 400,000 00 414,000 00
N. Y., Lackawanna & VV~. R.R. bonds, . . 100,000 00 135,000 00
NORTH BRITISH AND MERCANTILE INSURANCE CO.
31)9
Manhattan Railway Co. bonds,.
Delaware & Hudson Canal Co. bonds,
St. Paul & Northern Pacific R.R. bonds,
Chicago & North Western R R. bonds,
Baltimore & Ohio R.R. bonds, .
City of Boston bonds,
City of Providence, R. I., bonds,
City of St. Louis, Mo., coupons,
New York County stock, .
New York City stock,
New York County bond, . • .
City of Brooklyn, N. Y., bonds,
Alabama Class " A " coupon bonds,
Virginia century bonds, .
Virginia deferred certificates, .
Milwaukee Underwriters 1 Bldg. Ass
c'n stock,
Par Value.
$60,000 00
61,000 00
50,000 00
156,000 00
200,000 00
115,000 00
187,000 00
54,952 65
22,000 00
15,000 00
9,000 00
30,000 00
10,000 00
41,100 00
18,666 67
181 00
Market Value.
$58,800 00
85,400 00
61,000 00
218,400 00
202,420 00
126,237 00
205,700 00
57,399 00
27,060 00
17,500 00
9,180 00
30,750 00
11,200 00
25,071 00
2,426 00
181 00
$2,444,900 32 $2,714,629 00
Summary of Assets Dec. 31, 1895.
Loans on mortgage of real estate (first liens*),
Stocks and bonds, as per schedule, .
Cash in the office of the company, .
Cash deposited in bank, ....
Interest due and accrued, ....
Premiums in course of collection (gross),
Notes taken for lire risks,
Reinsurance, etc., .....
Premiums more than three mos. due, $24,265 63
Gross assets, .
Unadmitted,
Special deposits,
Cash not in control of trustees,
Baltimore & Ohio R.R. bonds, .
Chicago & Northwestern R.R. bonds,
Bills receivable, .....
Milwaukee Underwriters' stock,
Balance,
Losses adjusted, unpaid, .
claimed and reported,
disputed or resisted,
Total amount of losses, .
Less reinsurance, ' .
Net amount of unpaid losses,
Liabilities.
$450,000 00
2,714,629 00
10,961 08
190,250 07
54,057 00
421,275 10
3,645 22
1,393 65
$238,902 00
196,202 69
42,840 00
36,400 00
3,645 22
181 00
5,846,211 12
518,170 91
$3,328,040 21
55,073 21
155,895 30
39,369 82
$260,338 33
9,321 11
$251,017 22
* Total value of property mortgaged,
. $840,000 00
400
NORTH BRITISH AND MERCANTILE INSURANCE CO.
Unearned premiums on outstanding risks,
Commissions and brokerage, .
Balances due special agents, etc., ■ .
Reinsurance disallowed, ....
Gross liabilities, except capital,
Deduct liability on special deposits,
Surplus as regards policy-holders, .
Deposit capital, . . . .
. $1,918,497 77
91,541 71
9,099 57
1,503 11
. 12,271,659 38
169,446 85
M02,212 53
1,225,827 68
200,000 00
Surplus over capital, . $1,025,827 QS
Income.
Fire premiums outstanding Dec. 31, 1894, . $361,047 06
Premiums on risks written or renewed, . . 2,960,087 86
Total $3,321,134 92
Premiums now in course of collection, . . 445,540 73
Entire premiums collected, . . . . f
Less reinsurance and return premiums, .
Net cash tire premiums received, . . . -
Interest and dividends received from all sources,
Income from rents,
1,875,594 19
609,743 33
|2,265,850 86
134,557 51
5,993 64
Gross cash income, . . . . . . . $2,406,402 01
Expenditures.
Cash paid for fire losses $1,426,038 81
Deduct salvage and reinsurance, . . . 61,874 34
Net cash paid for fire losses, ....
Cash paid for commissions and brokerage,
for salaries of officers and employees, .
for State and local taxes,
for incidentals,
Gross cash expenditures, ....
Risks and Premiums.
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
Total,
Deduct risks expired and terminated,
In force at end of year, .
Deduct amount reinsured,
Net amount in force,
$343,466,749 00
285,703,417,00
$629,170,166 00
260,171,881 00
$368,998,285 00
18,811,415 00
1,364,164 47
373,544 20
207,657 25
56,836 88
111,508 82
!,113,7U 62
Premiums.
^3,864,670 99
2,960,087 86
56,824,758 85
2,936,803 65
53,887,955 20
155,596 60
$350,186,870 00 $3,732,358 60
Miscellaneous.
Fire losses incurred during the year, ,
$1,328,755 00
NORTIIEIIN ASSURANCE CO.
401
UNITED STATES BRANCH OF THE "NORTHERN ASSURANCE
COMPANY," LONDON, ENGLAND.
Deposit Capital, $200,000.
GEO. W. BABB, Jr., Manager.
Detailed Statement of Stocks and Bonds.
United States bonds, .
Salem, Oregon, city bonds,
New York city bonds,
Boston city bonds,
St. Louis city bonds, .
St. Paul city bonds, .
Minneapolis city bonds, .
Massachusetts State bonds,
Pennsylvania Railroad bonds,
West Shore Railroad bonds,
Chicago city bonds, .
Omaha city bonds, . . .
Chicago, St. Louis & New Orleans R.R.,
Chicago, Rock Island & Pacific R.R.,
Chicago, Milwaukee & St. Paul R'y,
Par Value.
$385,000 00
40,000 00
200,000 00
139,500 00
40,000 00
50,000 00
100,000 00
25,000 00
100,000 00
50,000 00
50,000 00
100,000 00
50,000 00
100,000 00
50,000 00
Market Value.
$121,575 00
40,460 00
201,500 00
149,613 75
43,666 66
57,375 00
108,666 66
27,375 00
106,000 00
53,000 Oo
53,000 00
108,250 00
49,000 00
103,000 00
62,500 00
$1,479,500 00 $1,584,982 07
Summary of Assets Dec. 31, 1895.
Cash value of unencumbered real estate,
Stocks and bonds, as per schedule, .
Cash in the office of the company, .
Cash deposited in bank, ....
Interest due and accrued, ....
Premiums in course of collection (gross),
Reinsurance, .
Bills receivable,
Miscellaneous, .
Premiums more than three mos. due, $2,411 44
Gross assets,
$115,000 00
1,584,982 07
2,390 79
85,534 88
3,850 00
216,243 84
2,068 81
1,288 88
759 44
$2,012,118 71
Unadmitted.
Special deposits in other States,
Cash not in control of trustees,
Bills receivable, etc.,.
$243,035 00
87,925 67
2,048 32
333,008 99
Balance, $1,679,109 72
402
NORTHERN ASSURANCE CO.
Liabilities.
Losses adjusted, unpaid, .
claimed and reported, .
disputed or resisted,
Total amount of losses, .
Less reinsurance,
Net amount of unpaid losses, .
Unearned premiums on outstanding risks,
Due and accrued for rent, salaries, etc., .
Commissions and brokerage, .
Return premiums and reinsurance, .
Suspense account, .....
Reinsurance disallowed, ....
Gross liabilities, except capital,
Deduct liability on special deposits,
Surplus as regards policy-holders, .
Deposit capital, ......
817,773 76
80,370 61
27,191 95
$125,336 32
4,191 50
$121,144 82
1,040,309 65
2,041 46
29,933 92
36,419 76
2,024 59
2,667 75
11,234,541 95
121,044 97
Surplus over capital, ....
Income.
Fire premiums outstanding Dec. 31, 1894, . $209,497 15
Same not collected, ...... 1,725 66
Net collected, . . . . . . 1207,77159
Premiums on risks written or renewed, . . 1,669,320 64
Total, $1,877,092 23
Premiums now in course of collection, . . 218,655 28
Entire premiums collected, .... SI, 658,436 95
Less reinsurance and return premiums. . . 417,112 57
Net cash fire premiums received, . . .
Interest and dividends received from all sources,
Received from home office, .... $47,362 52
Gross cash income,
Expenditures.
Cash paid for fire losses, $839,147 15
Deduct salvage and reinsurance, . . . 102,027 69
Net cash paid for fire losses, .
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for rent and incidentals, .
Remitted to home office, $181,792 61
Gross cash expenditures, .
1,113,496 98
$565,612 74
200,000 00
$365,612 74
,241,324 38
52,702 34
$1,294,026 72
$737,119 46
192,962 36
82,811 56
36,493 95
126,380 96
$1,175,768 29
NORWICH UNION FIRE INSURANCE SOCIETY.
403
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
Risks and Premiums.
Premiums.
$166,298,7.52 00 $2,051,899 66
140,709,030 00 1,669,320 64
Total,
Deduct risks expired and terminated,
In force at end of year, .
Deduct amount reinsured,
Net amount in force, .
$307,007,782 00 $3,721,220 30
131,267,206 00 1,629,565 40
$175,740,576 00 $2,091,654 90
4,753,393 00 46,167 89
$170,987,183 00 $2,045,487 01
Miscellaneous.
Fire losses incurred during the year,
$711,885 00
UNITED STATES BRANCH OF THE "NORWICH UNION FIRE
INSURANCE SOCIETY," NORWICH, ENGLAND.
Deposit Capital, $200,000.
J. MONTGOMERY HARE, Resident Manager.
Office, New York, N. Y.
Detailed Statement of Stocks and Bonds.
Par Value. Market Value.
United States bonds, $375,000 00 $416,250 00
New York City water loan, . . ... 100,000 00 102,750 00
New York Central & Hudson Riv. R.R. bonds, 75,000 00 91,125 00
West Shore Railroad bonds, .... 57,000 00 59,137 50
Pennsylvania Company bonds, .... 150,000 00 170,250 00
Pennsylvania Equipment Trust certificates, . 52,000 00 52,346 67
Chicago, Burlington & Quincy R R. bonds, . 100,000 00 89,000 00
Chicago, Rock Island & Pacific R'y bonds, . 100,000 00 104,000 00
Lake Shore & Michigan Southern R'y bonds, . 118,000 00 140,420 00
Richmond City, Va., bonds, .... 50,000 00 55,500 00
Lehigh and Wilkesbarre Coal Co. bonds, . 8,000 00 8,600 00
N. Y., Chicago & St. Louis bonds, . . . 100,000 00 102,500 00
Butler Co., Ohio, bonds, 50,000 00 54,555 00
St. Paul, Minneapolis & Manitoba R'y bonds, . 50,000 00 53,000 00
Long Island K.R. bonds, ..... 20,000 00 19,400 00
Cleveland, Lorain & Wheeling R'y bonds, . 50,000 00 54,500 00
Allegheny Valley R'y bonds, .... 30,(0000 31,35000
United New Jersey R.R. & Canal Co. stock, . 10,000 00 24,012 50
Chicago & Northwestern R^y Co. stock, . . 20,000 00 29,000 00
Rensselaer & Saratoga R R. stock, . . . 17,000 00 31,492 50
St. Paul, Minneapolis & Manitoba R'y stock, . 30,000 00 34,500 00
,562,000 00 $1,723,689 17
404
NORWICH UNION FIRE INSURANCE SOCIETY.
Summary of Assets Dec. 31, 1895.
Loans on mortgage of real estate (first liens*), $40,000 00
Interest due or accrued thereon, . . . 150 00
Stocks and bonds, as per schedule, r . . 1,723,689 17
Cash in the office of the company, . . . 1,655 87
Cash deposited in bank, 249,565 04
Premiums in course of collection (gross), . 155,165 35
Reinsurance, 9 46
Premiums more than three mos. due, $15,000 61
Gross assets, . . . . . .
?,170,234 39
Unadmitted.
Special deposits in other States,
Cash not in control of trustees,
1229,935 00
27,069 11
257,004 11
Balance, . $1,913,230 28
Liabilities.
Losses adjusted, unpaid,
Less reinsurance,
Net amount of unpaid losses, .
Unearned premiums on outstanding risks
Due and accrued for rent, salaries, etc.,
Commissions and brokerage, .
Reinsurance disallowed, .
Gross liabilities, except capital,
Deduct liability on special deposits,
Surplus as regards policy-holders, .
Deposit capital, ....
Surplus over capital,
Income
Fire premiums outstanding Dec. 31, 1894
Premiums on risks written or renewed,
Total,
Premiums now in course of collection,
Entire premiums collected,
Less reinsurance and return premiums,
Net cash fire premiums received,
$201,368 23
4,903 70
$196,464 53
1,208,696 44
2,351 49
30,248 51
203 26
^1,437,964 23
112,918 57
$133,610 39
1,958,433 47
$2,092,043 86
170,165 96
$1,921,877 90
396,451 45
1,325,045 66
$588,184 62
200,000 00
$388,184 62
,525,426 45
* Total value of property mortgaged,
Amount of insurance held as collateral
$80,000 00
40 000 00
PALATINE INSURANCE CO., LIMITED,
405
Interest received on mortgages,
Interest and dividends received from all other sources, .
Income from profit on sale of bonds, ....
$1,800 00
65,479 91
15,451 49
Gross cash income, $1,608,160 85
Expenditures.
Cash paid for fire losses, ....
Deduct salvage and reinsurance,
Net cash paid for fire losses, .
Cash paid for commissions and brokerage,
for salaries of officers and empktyees,
for State and local taxes,
for rent and incidentals, .
Gross cash expenditures, ....
Risks and Premiums.
$945,093 77
47,110 02
$897,983 75
259,977 83
136,133 40
19,539 81
114,952 00
$1,428,586 79
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
Total,
Deduct risks expired and terminated,
In force at end of year, .
Deduct amount reinsured, . .
Net amount of force, .
$226,538,492 00
182,760,939 00
$409,299,431 00
175,949,118 00
$233,350,313 00
5,936,738 00
Premiums.
$2,425,186 77
1,958,433 47
$4,383,620 24
1,956,059 48
$2,427,560 76
55,636 68
$227,413,575 00 $2,371,924 08
Miscellaneous.
Fire losses incurred during the year,
$910,024 00
UNITED STATES BRANCH OF "THE PALATINE INSURANCE
COMPANY, LIMITED," OF MANCHESTER, ENGLAND.
Deposit Capital, $200,000.
WM. WOOD, Manager.
Office, New York, N. Y.
Detailed Statement of Stocks and Bonds.
Par Value. Market Value.
United States bonds, $400,000 00 $439,000 00
Chicago, Rock Island & Pacific R.R. bonds, . 200,000 00 208,000 00
West Shore R R. bonds, 139,000 00 148,730 00
Missouri, Kansas & Texas R.R. bonds, . . . 100,000 00 84,000 00
Brooklyn City & Newtown R.R. bonds, . . 50,000 00 55,000 00
Baltimore & Ohio R.R. bonds, .... 77,000 00 84,700 00
Chicago & Northwestern R.R. bonds, . . 35,000 00 38,500 00
New York City bonds, . . . . . 200,000 00 203,000 00
406
PALATINE INSURANCE CO., LIMITED.
Manhattan Railway bonds,
Chicago, Mil. & St. Paul R.R. bonds,
Chicago & Northwestern R.R. bonds,
N. Y., Lake Erie & West. Coal and R.R. bonds
N. Y. Central & Hudson River R.R. bonds,
Beech Creek R.R. bonds, ....
Baltimore & Ohio Railroad bonds, .
Chicago, Milwaukee & St Paul R R. bonds,
N. Y. Central & Hudson River R.R. bonds,
Chicago, Burlington & Quincy R.R. bonds,
Oregon Railway & Navigation Co. bonds,
Southern Kansas R.R. bonds, .
State of Georgia bonds, ....
Central Georgia Railway Co. bonds,
Par Value.
|150,000 00
50,000 00
64,000 00
25,000 00
15,000 00
25,000 00
20,000 00
10,000 00
14,000 00
40,000 00
7,000 00
52,000 00
25,000 00
75,000 00
Market Value.
$145,500 00
48,000 00
64,530 00
20,250 00
15,750 00
25,500 00
21,900 00
11,512 00
16,660 00
40,800 00
7,840 00
38,480 00
25,562 00
85,937 00
.,773,000 00 $1,835,151 00
Summary of Assets Dec
Loans on mortgage of real estate (first liens*)
Interest due or accrued thereon,
Stocks and bonds, as per schedule, .
Cash in the office of the company, .
Cash deposited in bank, .
Premiums in course of collection (gross)
Premiums more than three mos. due, $ 1,861 78
Gross assets, . . .
31, 1895.
$50,000 00
200 00
1,835,151 00
2,367 37
564,901 33
383,616 58
$2,836,236 28
Unadmitted,
Special deposits in other States,
Cash not in control of trustees,
Interest on special deposit,
Balance, ,
$75,562 00
104,345 18
200 00
180,107 18
. $2,656,129 10
Liabilities.
Losses adjusted, unpaid, ....
claimed and reported, .
disputed or resisted,
Total amount of losses, ....
Less reinsurance, . . . . .
Net amount of unpaid losses, .
Unearned premiums on outstanding risks,
Due for borrowed money,
State and local taxes, ....
$39,774 35
276,984 84
30,751 13
$347,510 32
5,731 63
$341,778 69
1,771,962 80
35,000 00
957 26
* Value of lands mortgaged,
Value of buildings thereon,
Amount of insurance held as collateral,
$125,000 00
25,000 00
5,000 00
PALATINE INSURANCE CO., LIMITED.
407
Commissions and brokerage, .
Return premiums and reinsurance, .
Reinsurance disallowed, .
Gross liabilities, except capital,
Deduct liability on special desposits,
Surplus as regards policy-holders, .
Deposit capital,
$64,292 22
55,148 76
5,030 50
$2,274,170 23
35,013 20
2,239,157 03
$416,972 07
200,000 00
Surplus over capital, $216,972 07
Income.
Fire premiums outstanding Dec. 31, 1894, . $436,828 31
Premiums on risks written or renewed, . . 3,844,223 93
Total, $4,281,052 24
Premiums now in course of collection, . . 385,478 36
Entire premiums collected, .... $3,895,573 88
Less reinsurance and return premiums, . . 850,488 91
Net cash fire premiums received, . . . $3,045,084 97
Interest received on mortgages, 3,000 00
Interest and dividends received from all other sources, . . 71,107 00
Gross cash income, $3,119,191 97
Expenditures.
Cash paid for fire losses, $1,813,420 92
Deduct salvage and reinsurance, . . .• . 80,246 19
Net cash paid for fire losses, .
Cash paid for commissions and brokerage,
for salaries of officers and employees, .
for State and local taxes, . •
for rent and incidentals, .
Gross cash expenditures, .
$1,733,174 73
778,028 02
179,504 36
45,504 26
103,652 32
f2,839,863 69
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
Risks and Premiums.
Premiums.
$229,281,377 00 $2,642,445 21
339,742,583 00 3,844,223 93
Total
Deduct risks expired and terminated,
In force at end of year,
Deduct amount reinsured,
$569,023,960 00 $6,486,669 14
263,771,294 00 3,005,706 13
$305,252,666 00 $3,480,963 01
4,813,572 00 44,151 22
Net amount in force, .
Miscellaneous.
Fire losses incurred during the year,
$300,439,094 00 $3,436,811 79
.$1,802,682 00
408
PHCENIX ASSURANCE CO.
UNITED STATES BRANCH OF THE "PHCENIX ASSURANCE
COMPANY OF LONDON," LONDON, ENGLAND.
Deposit Capital, $200,000.
A. D. IRVING-, Resident Manager.
Office, New York, N. Y.
Detailed Statement of Stocks and Bonds.
Par Value.
United States bonds, $1,198,000 00
Central of New Jersey bonds, .... 50,000 00
Chicago, Rock Island & Pacific R.R. bonds, . 50,000 00
New York, Chicago & St. Louis R.R. bonds, . 50,000 00
West Shore R.R. bonds, 120,000 00
Pennsylvania Company bonds, . . . 25,000 00
Chicago & Northwestern R.R. bonds, . . 43,000 00
St. Paul, Minn , and Manitoba bonds, . . 50,000 00
Market Value.
11,341,760 00
58,000 00
51,875 00
51,500 00
129,000 00
27,125 00
46,225 00
52,000 00
fl,586,000 00 $1,757,485 00
Summary of Assets Dec. 31, 1895.
Stocks and bonds, as per schedule, . . . $1,757,485 00
Cash in the office of the company, . . . 481 18
Cash deposited in bank, . . . . . 672,811 54
Premiums in course of collection (gross), . 209,094 84
Reinsurance, . . , 7,208 33
Premiums more than three mos. due, $8,234 94
Gross assets,
$2,647,680 89
Unadmitted.
Special deposits in other States,
Cash not in control of trustees,
$218,400 00
61,736 42
280,136 42
Balance, $2,367,544 47
Liabilities.
Losses adjusted, unpaid, $34,332 00
claimed and reported, .... 351,082 00
disputed or resisted, . . . . 21,891 00
Total amount of losses, . . . . . $407,305 00
Less reinsurance, 158,132 00
Net amount of unpaid losses, .... $249,173 00
Unearned premiums on outstanding risks, . 1,538,510 41
Commissions and brokerage, .... 35,125 47
PHCENIX ASSUIIANCE CO.
409
Return premiums, .
Reinsurance, . .
Gross liabilities, except capital,
Deduct liability on special deposits,
Surplus as regards policy-holders, .
Deposit capital,
Surplus over capital,
$4,619 34
109,896 11
L,937,324 33
110,919 48
11,826,404 85
$541,139 62
200,000 00
1341,139 62
Income.
Fire premiums outstanding Dec. 31, 1894, . $247,766 68
Premiums on risks written or renewed, . . 3,497,754 06
Total,
Premiums now in course of collection,
Entire premiums collected,
Less reinsurance and return premiums,
Net cash fire premiums received,
Interest and dividends received from all sources,
Gross cash income,
$,745,520 74
217,929 78
$,527,590 96
1,484,193 70
1,043,397 26
68,238 04
>,111,635 30
Expenditures.
Cash paid for fire losses, ....
Deduct salvage and reinsurance,
Net cash paid for fire losses, .
Cash paid for commissions and brokerage,
. $1,759,565 40
599,440 52
for salaries of officers and employees,
for State and local taxes,
for rent and incidentals, .
Gross cash expenditures, , , . .
:,160,124 88
384,246 18
108,882 61
47,194 26
133,033 94
L,833,481 87
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
Risks and Premiums.
Premiums.
$384,180,103 00 $3,670,483 71
370,207,264 00 3,497,754 06
Total,
Deduct risks expired and terminated,
In force at end of year, .
Deduct amount reinsured,
Net amount in force,
$754,387,367 00 $7,168,237 77
360,482,873 00 3,368,009 03
$393,904,494 00 $3,800,228 74
80,915,929 00 762,601 04
$312,988,565 00 $3,037,627 70
Miscellaneous.
Fire losses incurred during the year, . . .
. $1,160,726 00
410
PRUSSIAN NATIONAL INSURANCE CO.
UNITED STATES BRANCH OF THE "PRUSSIAN NATIONAL
INSURANCE COMPANY," STETTIN, GERMANY.
Deposit Capital, $200,000.
THEODORE W. LETTON, Resident Manager.
Office, Chicago, III.
Detailed Statement of Stocks
United States government bonds,
Baltimore & Ohio R.R. bonds, .
Beech Creek R.R. bonds, ....
Chesapeake & Ohio R.R. bonds,
Chicago, Milwaukee & St. Paul R.R. bonds,
E. Tennessee, Virginia & Georgia R.R. bonds
Erie Railway bonds, ....
Illinois Central R.R. bonds,
Lake Erie & Western R.R. bonds, .
Lehigh Valley R.R. bonds,
Louisville & Nashville R.R. bonds, .
Memphis & Charleston R R. bonds, .
Metropolitan Elevated R'y bonds, .
Montana Central R.R. bonds, .
Milwaukee, Lake Shore & Western R.R. bonds
New York, Chicago & St. Louis R.R. bonds,
Rochester & Pittsburg R.R. bonds, .
St. Paul, Minneapolis & Manitoba R.R. bonds
St Paul & Sioux City R.R. bonds, .
Valley of Ohio Trust Co. certificates,
and Bonds.
Par Value.
$200,000 00
30,000 00
30,000 00
10,000 00
30,000 00
9,000 00
10,000 00
8,000 00
14,000 00
29,000 00
31,000 00
10,000 00
12,000 00
11,000 00
11,000 00
30,000 00
14,000 00
5,000 00
26,000 00
30,000 00
Market Value.
$221,000 00
31,800 00
31,275 00
9,500 00
34,537 50
10,395 00
13,850 00
8,320 00
16,240 00
30,450 00
36,025 00
11,100 00
14,400 00
11,577 50
13,887 50
30,975 00
17,430 00
6,050 00
33,475 00
18,000 00
§550,000 00 f 600,287 50
Summary of Assets Dec. 31, 1895.
Cash value of unencumbered real estate,
Stocks and bonds, as per schedule, .
Cash in the office of the company, .
Cash deposited in bank, .
Interest due and accrued, ....
Premiums in course of collection (gross),
Reinsurance, ......
Miscellaneous,
Gross assets,
$800 00
600,287 50
1,070 92
57,153 68
9,910 83
106,057 76
3,078 19
8,054 16
$786,413 04
Unadmitted.
Cash not in control of trustees,
Miscellaneous, .
f4,211 42
8,054 16
12,265 58
Balance,
I I i I •
$774,147 46
PRUSSIAN NATIONAL INSURANCE CO.
411
Liabilities.
Losses adjusted, unpaid, .
claimed and reported, .
disputed or resisted,
Total amount of losses, .
Less reinsurance, ....
Net ariiount of unpaid losses, .
Unearned premiums on outstanding risks
Commissions and brokerage, .
Return premiums and reinsurance, .
Miscellaneous, .....
Reinsurance disallowed, .
Gross liabilities, except capital,
Surplus as regards policy-holders, .
Deposit capital,
Surplus over capital,
Income
Fire premiums outstanding Dec. 31, 1894
Premiums on risks written or renewed,
Total,
Premiums now in course of collection,
Entire premiums collected,
Less reinsurance and return premiums,
Net cash fire premiums received,
Cash marine premiums received,
Interest and dividends received from all sources,
Gross cash income, .
$27,474 94
27,873 21
11,975 64
$67,323 79
1,934 07
$65,389 72
337,955 47
16,823 59
20,287 68
4,105 62
941 15
$105,219 55
623,404 22
$728,623 77
106,057 76
$622,566 01
166,533 13
|445,503 23
f328,644 23
200,000 00
$128,644 23
$456,032 88
7,104 67
25,163 09
$488,300 64
Expenditures.
Cash paid for fire losses, ....
Deduct salvage and reinsurance,
Net cash paid for fire losses, .
Cash paid for marine and inland losses, .
for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for rents and incidentals,
Gross cash expenditures, .
$297,369 10
16,246 64
$281,122 46
1,500 00
101,781 98
47,994 04
10,150 86
31,008 09
$473,557 43
412 THE RELIANCE MARINE INSURANCE CO. (LIMITED.)
Fire risks outstanding" Dec. 31, 1894,
Fire risks written during 1895,
Risks and Premiums.
Premiums.
$44,866,254 00 $623,267 48
48,846,436 00 623,404 22
Total,
Deduct risks expired and terminated,
In force at end of year, .
Deduct amount reinsured,
Net amount in force, .
Marine risks outstanding Dec. 31, 1894,
Marine risks written during 1895, .
Total
Deduct risks expired and terminated,
In force at end of year, .
Miscellaneous.
Fire losses incurred during the year,
Marine and inland losses incurred during the year,
,712,690 00
42,708,789 00
,246,671 70
596,610 70
$51,003,901 00 $650,061 00
1,950,387 00 24,453 05
,053,514 00 $625,607 95
$9,450 00
238,629 00
$ 188 87
7,104 67
$248,079 00
184,448 00
£7,293 54
4,427 02
$63,631 00
1,866 52
$273,045 00
1,500 00
UNITED STATES BRANCH OF " THE RELIANCE MARINE IN-
SURANCE COMPANY (LIMITED)," LIVERPOOL.
Deposit Capital, $300,000.
H. COPE WEST, United States Manager.
Office, New York, N. Y.
Detailed Statement of Stocks and Bonds.
Par Value.
$25,000 00
200,000 00
United States bonds, .
New York city bonds,
Brooklyn city bonds,
Boston city bonds,
Old Colony Railroad bonds,
50,000 00
30,000 00
15,000 00
Market Value*
$27,500 00
202,000 00
53,250 00
30,150 00
15,375 00
$320,000 00 $328,275 00
Summary of Assets Dec. 31, 1895
Stocks and bonds, as per schedule, .
Cash in the office of the company, .
Cash deposited in bank, ....
Interest due and accrued, .
Premiums in course of collection (gross),
Notes taken for marine and inland risks,
Reinsurance,
Premiums more than three mos due, $1,336 26
Gross assets, ......
$328,275 00
228 38
2,686 42
4,806 25
13,841 66
5,126 30
7,680 96
$362,644 97
THE RELIANCE MARINE INSURANCE CO. (LIMITED.) 413
Unadmitted.
Cash not in control of trustees,
Balance, .
Liabilities.
Losses adjusted, unpaid, ....
claimed and reported, .
disputed or resisted,
Total amount of losses, ....
Less reinsurance, . . . . .
Net amount of unpaid losses, .
Unearned premiums on outstanding risks,
Due and accrued for rent, salaries, etc., .
Commissions and brokerage, .
Return premiums and reinsurance, .
Reinsurance disallowed, . . . .
Gross liabilities, except capital,
Surplus as regards policy-holders, .
Deposit capital,
$6,288 97
29,422 69
50,444 55
$86,156 21
66,541 39
,614 82
18,976 62
350 00
1,005 98
1,147 48
27,561 00
Impairment of capital,*
Income.
Marine premiums outstanding Dec. 31, 1894, . $37,743 06
Same not collected, 231 95
Net collected, ...... $37,511 11
Premiums on risks written or renewed, . . 147,270 84
Total, 1184,781 95
Premiums now in course of collection, . . 20,304 22
Entire premiums collected, .... $164,477 73
Less reinsurance and return premiums, . . 36,531 11
Net cash marine premiums received, . . — —
Interest and dividends received from all sources, .
Gross cash income,
Expenditures.
Cash paid for marine and inland losses, .
Deduct salvage and reinsurance,
Net cash paid for marine and inland losses, .
Cash paid for commissions and brokerage,
5129,674 67
39,103 77
$2,914 80
$359,730 17
68,655 90
$291,074 27
300,000 00
$8,925 73
$127,946 62
8,716 90
$136,663 52
$90,570 90
13,672 46
* Since rendering its annual statement the company has deposited in the hands of its trustees
$15,000, par value, Hereford R.R bonds.
414
ROYAL INSURANCE CO.
Cash paid for salaries of officers and employees,
for State and local taxes, .
for rent and incidentals, .
$,938 93
1,997 45
9,364 15
Gross cash expenditures, $125,543 89
Risks and Premiums.
rremiums.
Marine risks outstanding Dec. 31, 1894, . . $1,709,13100 $12,978 45
Marine risks written during 1895, . . . 16,564,827 00 147,270 84
Total $18,273,958 00 $190,249 29
Deduct risks expired and terminated, . . 15,723,504 00 164,882 16
In force at end of year,
1,550,454 00 $25,367 13
Miscellaneous.
Marine and inland losses incurred during the year,
i,941 00
UNITED STATES BRANCH OF THE "ROYAL INSURANCE
COMPANY," LIVERPOOL, ENGLAND.
Office, 85 Water Street, Boston.
Deposit Capital, $200,000.
SCULL & FIELD, Managers of the Neve England Branch.
Detailed Statement of Stocks and Bonds.
Par Value. Market Value.
United States bonds, $560,000 00 $652,400 00
Albany & Susquehanna Railroad bonds, . . 350,000 00 409,500 00
Brooklyn & Montauk Railroad bonds, . . 25,000 00 27,500 00
Central Railroad of New Jersey bonds, . . 200,000 00 235,000 00
Chicago, Burlington & Quincy Railroad bonds, 50,000 00 60,000 00
Chicago, Milwaukee & St. Paul R.R. bonds, . 62,000 00 78,740 00
Chicago & Northwestern Railroad bonds, . 100,000 00 141,000 00
Chicago, Rock Island & Pacific R.R. bonds, . 100,000 00 131,000 00
Cin., Ind., St. Louis & Chicago R.R. bonds, . 100,000 00 102,000 00
Cleveland & Pittsburgh Railroad bonds, . . 100,000 00 107,000 00
Delaware & Hudson Canal Co. bonds, . . 40,000 00 56,800 00
Illinois Central Railroad bonds, . . . 100,000 00 112,000 00
Lake Erie & Western Railroad bonds, . . 30,000 00 34,800 00
Michigan Central Railroad bonds, . . . 170,000 00 187,600 00
Milwaukee & St. Paul Railroad bonds, . . 100,000 00 126,000 00
Morris & Essex Railroad bonds, . . . 16,000 00 22,720 00
N. Y. Central & Hudson River R.R. bonds, . 100,000 00 121,000 00
New York, Chicago & St. Louis R.R. bonds, . 100,000 00 102,000 00
New York & Harlem Railroad bonds, . . 110,000 00 125,400 00
N. Y., Lackawanna & Western R.R. bonds, . 100,000 00 134,000 00
ROYAL INSURANCE CO.
415
Pennsylvania Railroad bonds, .
Pittsburgh, Fort Wayne & Chic. R.R. bonds,
Philadelphia & Heading Railroad bonds,.
"Rome, Water town & Ogdensburgh R.R bonds
St Paul, Minn. & Manitoba R.R. bonds, .
Syraeuse, Binghampton & N. Y. R.R. bonds,
United New Jersey R.R. & Canal Co. bonds,
West Shore Railroad bonds,
Winona & St. Peter R.R. bonds,
Par Value.
$30,000 00
14,000 00
100,000 00
2. r ),000 00
75,000 00
50,000 00
300,000 00
100,000 00
38,000 00
Market Value.
$33,600 00
20,100 00
105,000 00
29,750 00
90,750 00
65,500 00
34l,0»)0 00
106,000 00
49,400 00
$3,245,000 00 $3,807,620 00
Summary of Assets Dec. 31, 1895.
Cash value of unencumbered real estate,
Loans on mortgage of real estate (first liens*)
Interest due or accrued thereon,
Stocks and bonds, as per schedule, .
Cash in the office of the company, .
Cash deposited in bank, ....
Premiums in course of collection (gross),
Notes taken for marine and inland risks,
Rents due and accrued, ....
Reinsurance, etc ,
Perpetual insurance deposit,
Premiums more than three mos. due, $ 20,712 29
Gross assets,
^1,756,156 24
291,000 00
1,234 99
3,807,620 00
5,906 58
472,650 25
656,984 27
1,858 95
14,769 27
2,851 37
5,616 19
',016,648 11
Unadmitted.
Special deposits,
Real estate, .
Cash not in control of trustees,
1262,125 00
65,000 00
52,483 36
379,608 36
Balance, $6,637,039 75
Liabilities.
Losses adjusted, unpaid, .
claimed and reported,
disputed or resisted,
Total amount of losses,
Less reinsurance,
Net amount of unpaid losses,
* Total value of property mortgaged,
Amount of insurance held as collateral,
),410 06
518,455 45
73,562 96
$651,428 47
145,576 70
5,851 77
$642,500 00
294,000 00
416
ROYAL INSURANCE CO.
Unearned premiums on outstanding risks,
Reclaimable on perpetual fire policies,
Liability under life department,
Due and accrued for rent, salaries, etc.,
State and local taxes,
Commissions and brokerage,
Return premiums,
Reinsurance,
Reinsurance disallowed, .
Gross liabilities, except capital,
Deduct liability on special deposits,
Surplus as regards policy-holders, .
Deposit capital, .
1,065,985 12
217,623 61
116,500 00
5,639 11
15,645 94
117,788 94
23,448 00
170,286 79
15,338 38
1,254,107 66
215,139 19
$5,038,968 47
$1,598,071 28
200,000 00
Surplus over capital, $1,398,071 28
Income.
Fire premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed, .
Total,
Premiums now in course of collection, .
Entire premiums collected,
Less reinsurance and return premiums, .
Net cash fire premiums received,
Interest received on mortgages,
Interest and dividends received from all other
Income from rents,
Deposits received for perpetual fire risks,
$683,450 76
6,454,560 79
^7,138,011 55
679,555 51
^6,458,456 04
1,583,083 08
sources,
$4,875,372 96
15,367 66
186,994 03
59,826 92
,444 86
Gross cash income, . $5,137,561 57
Expenditures.
Cash paid for fire losses, $3,026,483 97
Deduct salvage and reinsurance, . . . 302,622 25
Net cash paid for fire losses, .... $2,723,861 72
Cash paid for commissions and brokerage, .... 841,284 11
for salaries of officers and employees, . . . 324,178 80
for State and local taxes, . ..... 124,151 17
for rent and incidentals, 255,566 69
Deposits returned on perpetual fire risks, . $28,349 99
Gross cash expenditures,
. $1,269,042 49
ROYAL EXCHANGE ASSURANCE.
417
Risks and Pukmiums.
Fire risks outstanding Dec. 31, 1891,
Fire risks written during 1895,
Total,
Deduct risks expired and terminated,
In force at end of year, .
Deduct amount reinsured,
Net amount in force, .
$875,004,060 00
682,955,956 00
1,557,960,016 00
698,204,153 00
Premiums.
!8,685,084 83
6,454,560 79
$15,139,645 62
6,580,019 47
$859,755,863 00
79,074,072 00
5,553,626 15
571,273 54
Perpetual risks in force (not included above), $8,981,849 00
Miscellaneous.
Fire losses incurred during the year, ....
$780,681,791 00 $7,982,352 61
$9,466 63
$2,632,096 00
UNITED STATES BRANCH OF "THE ROYAL EXCHANGE
ASSURANCE," LONDON, ENGLAND.
Deposit Capital, $200,000.
ROBERT DICKSON, Resident Manager.
Office, San Francisco, Gal.
Detailed Statement of Stocks and Bonds.
Par Value. Market Value.
United States bonds, . . . . . . $276,600 00 $304,260 00
Boston city bonds, 22,000 00 23,540 00
$298,600 00 $327,800 00
Summary op Assets Dec. 31, 1895.
Stocks and bonds, as per schedule, .
Cash in the office of the company, .
Cash deposited in bank, ....
Interest due and accrued, ....
Premiums in course of collection (gross),
Reinsurance,
Premiums more than three mos. due, $1,831 21
Gross assets,
Unadmitted.
Special deposits,
United States bonds not in control of trustees,
Cash in office not in control of trustees, .
Cash in bank not in control of trustees, .
|327,800 00
60 79
2,798 43
2,676 00
37,752 68
1,704 21
$372,792 11
$55,000 00
9,900 00
60 79
5,474 43
70,435 22
Balance,
$302,356 89
418
ROYAL EXCHANGE ASSURANCE,
Liabilities.
Losses adjusted, unpaid, .
Less reinsurance, .....
Net amount of unpaid losses, .
Unearned premiums on outstanding risks,
Commissions and brokerage, .
Reinsurance, . . . . .
Gross liabilities, except capital,
Deduct liability on special deposits,
Surplus as regards policy-holders, .
Deposit capital, .....
Impairment of capital,*
$23,683 00
5,847 00
$f 7,836 00
112,576 96
7,173 00
706 55
J 138,292 51
16,455 00
$121,837 51
. $180,519 38
200,000 00
$19,480 62
Income.
Fire premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed, „
Total, . .
Premiums now in course of collection, .
Entire premiums collected,
Less reinsurance and return premiums, .
Net cash fire premiums received, . . . —
Interest and dividends received from all sources, .
Gross cash income, ......
f43,492 50
233,759 38
$277,251 88
39,583 89
$237,667 99
71.516 32
- $166,151 67
11,584 00
. $177,735 67
Expenditures.
Cash paid for fire losses, . . , . . $84,729 81
Deduct salvage and reinsurance, . . . 11,282 77
Net cash paid for fire losses, .... $73,447 04
Cash paid for commissions and brokerage, 38,144 33
for salaries of officers and employees, . . . 12,976 00
for State and local taxes, 2,838 50
for incidentals, 23,273 31
Remitted to home office, $22,593 50
Gross cash expenditures,
$150,679 18
* Since December 31 the United States bonds disalbwed in assets have passed into the control
of the trustees, who have also purchased $25,000 of the new government loan.
SCOTTISH UNION AND NATIONAL INSURANCE CO.
419
Risks and Premiums.
Premiums.
Fire risks outstanding Dec. 31, 1894, . . $15,424,548 00 $244,998 27
Fire risks written during 1895, . . . 19,066,415 00 233,759 38
Total, f 35,090,963 00 $478,757 65
Deduct risks expired and terminated, . . 14,829,377 00 237,704 92
In force at end of year,
Deduct amount reinsured,
Net amount in force,
.$20,261,586 00 $240,992 73
. 1,341,079 00 15,838 70
Miscellaneous.
Fire losses incurred during the year,
$18,920,507 00 $225,154 03
. $81,306 00
UNITED STATES BRANCH OF THE "SCOTTISH UNION AND
NATIONAL INSURANCE CO.," EDINBURGH, GREAT BRITAIN.
Deposit Capital, $200,000.
M. BENNETT, Manager.
Office, Hartford, Conn.
Detailed Statement of Stocks and Bonds.
Par Value. Market Value.
United States bonds, $50,000 00 $54,750 00
County of Middlesex debentures, . . . 22,000 00 22,000 00
City of Toronto bonds, 1,500 00 1,500 00
Ontario Railway subsidy bonds, . . . 51,912 00 46,026 30
Canada inscribed stock, . . . . . 100,000 00 109,000 00
City of Richmond bonds, 52,500 00 52,500 00
Georgia State bonds, 25,000 00 25,000 00
Freehold Loan and Savings Co. debenture, . 25,000 00 25,000 00
New York City bonds, 200,000 00 202,000 00
Land Security Co. debenture, .... 25,000 00 25,000 00
Central Canada Loan & Savings Co. debenture, 25,000 00 25,000 00
Chicago, Milwaukee & St. Paul R.R. bonds, . 50,000 00 44,750 00
Pitts., Cincinnati, Chic. & St, Louis R.R. bonds, 25,000 00 25,281 25
Cleve., Cincinnati, Chic. & St. Louis R.R. bonds, 30,000 00 25,087 50
Boston & Maine Railroad bonds, . . . 50,000 00 57,500 00
Central Railroad of New Jersey bonds, . . 50,000 00 57,125 00
Maine Central Riilroad bonds,. . . ." 40,000 00 40,800 00
Baltimore and Ohio Railroad bonds, . . 26,000 00 28,860 00
City of Toledo, Ohio, bonds, .... 50,000 00 52,875 00
County of Milwaukee, Wisconsin, bonds, . . 35,000 00 38,600 00
County of Lucas, Ohio, court house bonds, . 100,000 00 101,000 00
Staten Island Railroad bonds, .... 25,000 00 25,625 00
Chicago & Northwestern Railroad bond3, . 50,000 00 54,125 00
Hartford Street Railway bonds, , . . 100,000 00 101,750 00
$1,208,912 00 $1,241,155 05
420
SCOTTISH UNION AND NATIONAL INSUKANCE CO.
Summary of Assets Dec
Cash value of unencumbered real estate,
Loans on mortgage of real estate (first liens*)
Interest due or accrued thereon,
Stocks and bonds, as per schedule, .
Cash in the office of the company, .
Cash deposited in bank, ....
Interest due and accrued, ....
Premiums in course of collection (gross),
Reinsurance,
Gross assets,
31, 1895.
$34,389 94
1,465,689 68
26,810 30
1,241,155 05
802 99
286,361 25
12,105 54
253,596 70
2,610 22
13,323,521 67
Special deposits in other States,
Cash not in control of trustees,
Unadmitted.
$345,750 00
37,164 24
382,914 24
Balance, $2,940,607 43
Liabilities.
Losses adjusted, unpaid, ....
claimed and reported, .
disputed or resisted,
Unearned premiums on outstanding risks,
Commissions and brokerage, .
Reinsurance, . . . .
Gross liabilities, except capital,
Deduct liability on special deposits,
Surplus as regards policy-holders, .
Deposit capital,
$64,401 50
104,994 00
19,849 50
1,259,801 69
25,875 00
97,650 25
11,572,571 94
221,147 27
1,351,424 67
.,589,182 76
200,000 00
Surplus over capital,
Income.
Fire premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed, .
Total, .......
Premiums now in course of collection, .
Entire premiums collected,
Less reinsurance and return premiums, .
Net cash fire premiums received,
Interest received on mortgages,
Interest and dividends received from all other
Gross cash income, ....
$1,389,182 76
$197,721 99
2,873,258 75
?3,070,980 74
253,596 70
^2,817,384 04
1,288,586 59
sources,
$1,528,797 45
72,645 56
40,813 03
$1,642,256 04
* Value of lands mortgaged,
Value of buildings thereon, . . .
Amount of insurance held as collateral,
$1,749,800
1,868,405
1,564,925
SCOTTISH UNION AND NATIONAL INSURANCE CO.
421
Expenditures.
Cash paid for fire losses,
for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes,
for incidentals,
Gross cash expenditures, .
$809,379 99
258,224 19
69,813 66
44,019 33
110,831 73
. $1,292,268 90
Fire risks outstanding Dec. 31, 1894,
Fire risks written during 1895,
Risks and Premiums.
Premiums.
$279,142,038 00 $2,769,173 35
286,473,800 00 2,873,258 75
Total
Deduct risks expired and terminated,
In force at end of year,
Deduct amount reinsured,
Net amount in force, .
$565,615,838 00 $5,642,432 10
221,740,134 00 2,524,926 93
$343,875,704 00 $3,117,505 17
83,548,356 00 723,160 42
$260,327,348 00 $2,394,344 75
Miscellaneous.
Fire losses incurred during the year,
. $805,384 00
UNITED STATES BRANCH OF THE "SUN INSURANCE OFFICE,"
LONDON, ENGLAND.
Deposit Capital, $200,000.
J. J. GUILE, Resident Manager.
Office, New York, N. Y.
Detailed Statement op Stocks and Bonds.
Par Value. Market Value.
United States bonds, $484,000 00 $521,960 00
Savannah & Western R.R. bonds, . . . 25,000 00 15,000 00
Central Railroad of New Jersey bonds, . . 25,000 00 28,500 00
Chicago, Milwaukee & St. Paul R.R. bonds, . 15,000 00 15,450 00
Atchison, Topeka & Santa Fe notes, . . 50,000 00 50,000 00
St. Louis Bridge Co. bonds, .... 25,000 00 33,000 00
Minn., Saulte Ste. Marie & Atlantic R.R. bonds, 25,000 00 23,750 00
Cleve., Cinn., Chicago & St. Louis R.R., . . 25,000 00 22,750 00
Louisville & Nashville R.R. bonds, . . . 23,000 00 25,990 00
Norfolk & Western R.R. bonds, . . . 20,000 00 21,800 00
Atchison, Topeka & Santa Fe bonds, . . 25,000 00 17,500 00
Rio Grande Junction bonds, . , . . 25,000 00 21,500 00
422
SUN INSURANCE OFFICE.
Cincinnati, Hamilton & Dayton bonds, .
Terminal R.R. Association of St. Louis bonds,
New York, Lake Ede & Western bonds,
Pittsburgh, Fort Wayne & Chicago stock,
West End Street Railway Co. bonds,
Lehigh Valley Terminal bonds,
Chicago, Milwaukee & St. Paul bonds, .
Milwaukee, Lake Shore & Western bonds,
Lehigh & New York bonds,
Louisville & Nashv'e & Mobile & Montg. b'ds
City of Sandusky, Ohio, bonds,
City of Dayton, Ohio, bonds, .
City of Richmond, Va., bonds, .
Lucas County, Ohio, court house bonds, .
City of Youngstown, Ohio, township park b'ds
Harrison County, Ohio, court house bonds,
City of Toledo, Ohio, street improvement b'ds
City of Portland, Oregon, water loan bonds,
Underwriters Salvage Co. stock,
Par Value.
$50,000 00
25,000 00
50,000 00
30,000 00
50,000 00
50,000 00
25,000 00
25,000 00
100,000 00
100,000 00
10,000 00
45,000 00
10,000 00
25,000 00
5,000 00
10,000 00
10,000 00
32,000 00
1,000 00
Market Value.
150,500 00
27,500 00
70,000 00
46,500 00
52,250 00
55,500 00
25„750 00
27,500 00
92,000 00
104,000 00
10,300 00
51,750 00
11,200 00
25,500 00
5,400 00
10,500 00
11,300 00
36,160 00
1,000 00
$1,420,000 00 $1,511,810 00
Summary of Assets Dec. 31, 1895.
Cash value of unencumbered real estate,
Loans on mortgage of real estate (first liens*)
Interest due or accrued thereon,
Stocks and bonds, as per schedule, .
Cash in the office of the company, .
Cash deposited in bank, ....
Interest due and accrued, ....
Premiums in course of collection (gross),
Rents due and accrued, ....
Premiums more than three mos. due, f 17,610 18
Gross assets,
$270,000 00
203,000 00
1,975 83
1,511,810 00
371 50
178,762 58
24,731 24
287,018 07
1,778 50
>,479,447 72
Unadmitted.
Special deposits in other States,
Cash not in control of trustees,
$199,450 00
40,024 79
239,474 79
Balance, . $2,239,972 93
* Value of lands mortgaged $163,000 00
Value of buildings thereon 155,000 00
Amount of insurance held as collateral 137,000 00
SUN INSURANCE OFFICE.
423
Liabilities.
Losses adjusted, unpaid
claimed and reported, .
disputed or resisted,
Total amount of losses, ....
Less reinsurance,
Net amount of unpaid losses, .
Unearned premiums on outstanding risks,
Due and accrued for rent, salaries, etc., .
Commissions and brokerage, .
Reinsurance,
Reinsurance disallowed, ....
Gross liabilities, except capital,
Deduct liability on special deposits,
Surplus as regards policy-holders, .
Deposit capital,
Surplus over capital, .
$85,328 50
64,452 00
24,503 25
$174,283 75
4,175 00
$170,108 75
1,413,057 78
1,108 33
60,925 65
7,754 15
2,405 92
$1,655,360 58
147,939 89
1,507,420 69
$732,552 24
200,000 00
$532,552 24
Income.
Fire premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed, .
Total,
Premiums now in course of collection,
Entire premiums collected,
Less reinsurance and return premiums, .
Net cash fire premiums received,
Interest received on mortgages,
Interest and dividends received from all other
Income from rents,
Gross cash income,
$317,042 10
2,066,403 14
$2,383,445 24
304,628 25
$2,078,816 99
487,351 94
sources,
$1,591,465 05
18,405 26
62,977 75
9,820 25
$1,682,668 31
Expenditures.
Cash paid for fire losses,
Deduct salvage and reinsurance,
Net cash paid for fire losses, . . . . -
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes, .
for incidentals,
$946,598 59
3^973 02
,625 57
288,075 62
78,784 32
35,253 72
163,601 89
Gross cash expenditures, . . . . . . . $1,476,341 12
424 THAMES AND MEKSEY MARINE INSURANCE CO.
Risks and Premiums.
Premiums.
Fire risks outstanding Dec. 31, 1894, . $301,087,0.57 00 $ 2,960,884 18
Fire risks written during 1895, . . 199,416,066 00 2,066,403 14
Total, 8500,503,123 00 $5,027,287 32
Deduct risks expired and terminated, . 184,487,824 00 2,070,406 41
In force at end of year, .... $316,015,299 00 $2,956,880 91
Deduct amount reinsured, . . . 14,904,382 00 141,180 67
Net amount in force, . . . $301,110,917 00 $2,815,700 24
Miscellaneous.
Fire losses incurred during the year, $865,856 00
UNITED STATES BRANCH OF THE "THAMES AND MERSEY
MARINE INSURANCE COMPANY," LIVERPOOL, ENGLAND.
Deposit Capital, $300,000.
A. J. MACDONALD, Manager.
Office, New York, N. Y.
Detailed Statement of Stocks and Bonds.
Par Value. Market Value.
United States bonds, $375,000 00 $416,250 00.
Chicago & Northwestern Railway Co. bonds, . 80,000 00 94,400 00
Summary of Assets Dec
$455,000 00 $510,650 00
31, 1895.
Stocks and bonds, as per schedule, . . . $510,650 00
Cash in the office of the company, . . . 4,934 42
Cash deposited in bank, 23,289 94
Premiums in course of collection (gross), . 54,806 84
Notes taken for marine and inland risks, . 1,919 37
Reinsurance, 4,945 21
Premiums more than three mos. due, $3,049 58
Gross assets, $600,545 78
Unadmitted.
Special deposits in other States, . . . $83,250 00
Cash not in control of trustees, , . . 28,224 36
111,474 36
Balance, $489,071 42
THAMES AND MERSEY MARINE INSURANCE CO.
425
Liabilities.
Losses adjusted and reported, .
Losses claimed and reported, .
Total amount of losses, ....
Less reinsurance, .....
Net amount of unpaid losses, .
Unearned premiums on outstanding risks,
Commissions and brokerage, .
Reinsurance, ......
Reinsurance disallowed, ....
Gross liabilities, except capital,
Deduct liability on special deposits,
Surplus as regards policy-holders, .
Deposit capital,
$121,224 00
25,263 00
$146 487 00
6*105 00
^85,382 00
76,450 00
4,358 65
12,437 74
31,110 00
$209,738 39
422 88
Impairment of capital,*
Income.
Marine premiums outstanding Dec. 31, 1894, . $32,041 20
Same not collected, 246 65
Net collected $31,794 55
Premiums on risks written or renewed, . . 437,497 31
Total, . $469,291 86
Premiums now in course of collection, . . 59,775 79
Entire premiums collected, .... $409,516 07
Less reinsurance and return premiums, . . 77,005 23
Net cash marine premiums received, . .
Interest and dividends received from all sources, .
Income from suspense account,
Gross cash income,
Expenditures.
Cash paid for marine and inland losses, . . $203,284. 19
Deduct salvage and reinsurance, . . . 53,922 69
Net cash paid for marine and inland losses, .
Cash paid for commissions and brokerage, . .
for salaries of officers and employees, .
for State and local taxes,
for rent and incidentals,
Remitted to home office, . . . . . $124,775 42
Gross cash expenditures,
$209,315 51
$279,755 91
300,000 00
$20,244 09
$332,510 84
15,000 00
571 25
$348,082 09
$149,361 50
26,429 32
21,621 57
7,063 54
18,924 27
$223,400 20
■* Since rendering its annual statement the company has made good this impairment by a
deposit with the trustees of a like amount in current funds. It is also claimed by the company
that a loss of $26,000, included in liabilities, has since been paid by "cash not in control of
trustees," which would increase the surplus by an equal amount.
426
UNION MARINE INSURANCE CO. (LIMITED).
Risks and Premiums.
Marine risks outstanding Dec. 31, 1894,
Marine risks written during 1895, .
Total,. ..*...
Deduct risks expired and terminated,
In force at end of year, .
Deduct amount reinsured,
Net amount in force, .
$3,258,613 00
81,760,250 00
585,018,863 00
78,759,338 00
1,259,525 00
516,020 00
Premiums.
$30,805 00
437,497 31
$468,302 31
383,530 31
|84,772 00
8,322 00
1,743,505 00 $76,450 00
Miscellaneous.
Marine and inland losses incurred during the year,
$149,361 00
UNITED STATES BRANCH OF THE "UNION MARINE INSUR-
ANCE COMPANY (LIMITED), 1 ' LIVERPOOL, ENGLAND.
Deposit Capital, $300,000.
JONES & WHITLOCK, Attorneys.
Office, New York, N. Y.
Detailed Statement of Stocks
New York city stock, ....
Eastern Railroad bonds, ....
Boston & Lowell Railroad bonds,
Boston & Albany Railroad bonds, .
Boston & Maine Railroad bonds,
Old Colonj- Railroad bonds,
United States bonds,
Atchison, Topeka & Santa Fe Railroad bonds
Pennsylvania Railroad bonds, .
Ohio & Mississippi Railroad bonds, .
Baltimore & Ohio Railroad bonds, .
Detroit, Grand Haven & Milwaukee R.R. bonds,
Eastern Railroad bonds,
and Bonds.
Far Value.
$100,000 00
68,445 00
14,000 00
4,000 00
7,000 00
7,000 00
200,000 00
55,500 00
25,000 00
14,000 00
3,000 00
1,000 00
5,000 00
Market Value.
$101,500 00
81,449 55
14,495 00
4,240 00
8,207 50
7,323 75
228,000 00
39,960 00
30,000 00
14,000 00
3,630 00
999 00
6,000 00
$503,945 00 $539,804 80
Summary of Assets Dec. 31, 1895.
Stocks and bonds, as per schedule, . . . $539,804 80
Cash deposited in bank, . . . . . 11,119 74
Premiums in course of collection (gross), . 44,456 93
Notes taken for marine and inland risks, . 457 80
Reinsurance, 2,462 01
Premiums more than three mos. due, $900 36
Gross assets,
$598,301 28
UNION MAKINE INSURANCE CO. (LIMITED).
427
Unadmitted.
Special deposits in other States,
Cash not in control of trustees,
Bills receivable,
$113,000 00
11,119 74
457 80
|124,577 54
Balance, $473,723 74
Liabilities.
Losses adjusted and reported, .
Less reinsurance,
Net amount of unpaid losses, , .
Unearned premiums on outstanding risks,
Due and accrued for rent, salaries, etc., .
Commissions and brokerage, .
Return premiums, . . . .
Reinsurance, etc., . . . . .
Gross liabilities, except capital,
Deduct liability on special deposits,
Surplus as regards policy-holders,
Deposit capital, ....
$130,009 75
43,750 00
,259 75
53,309 21
1,036 44
1,399 93
7,136 34
12,468 44
$161,610 11
4,233 54
157,376 57
$316,347 17
300,000 00
Surplus over capital, .
$16,347 17
Income.
Marine premiums outstanding Dec. 31, 1894, . $24,593 41
Same not collected, 259 83
Net collected, $24,333 58
Premiums on risks written or renewed, . . 302,189 77
Total, $326,523 35
Premiums now in course of collection, .- . 45,357 29
Entire premiums collected, .... $281,166 06
Less reinsurance and return premiums, . . 20,800 42
Net cash marine premiums received, . .
Interest and dividends received from all sources, .
Income from all other sources,
Received from home office, .... $40,296 25
$260,365 64
16,301 84
1,036 44
Gross cash income,
$277,703 92
428
UNION SOCIETY.
Expenditures.
Cash paid for marine and inland losses, . . $207,760 25
Deduct salvage and reinsurance, . . . 34,747 33
Net cash paid for marine and inland losses, . -■—
Cash paid for commissions and brokerage, . •
for salaries of officers and employees, .
for State and local taxes,
for incidentals,
Remitted to home office, . . . . . $72,080 52
Gross cash expenditures,
Risks and Premiums.
Marine risks outstanding Dec. 31, 1894, . . $3,087,239 00
Marine risks written during 1895, .
Total,
Deduct risks expired and terminated,
In force at end of year, .
Deduct amount reinsured,
$173,012 92
53,822 75
5,680 00
6,615 35
8,108 21
$247,239 23
Premiums.
$42,699 72
. 59,201,706 00
302,189 77
. $62,288,945 00
. 59,363,776 00
$344,889 49
276,613 31
. $2,925,169 00
533,305 00
$68,276 18
10,854 46
Net amount in force,
Miscellaneous.
Marine and inland losses incurred during the year,
,391,864 00 $57,421 72
$309,721 00
UNITED STATES BRANCH OF THE "UNION SOCIETY,"
LONDON, ENGLAND.
Deposit Capital, $200,000.
HALL & HENSHAW, Resident Managers.
Office, New York, N. Y.
Detailed Statement of Stocks and Bonds.
Par Value. Market Value.
United States bonds, . . . . . . $303,400 00 $354,978 00
Massachusetts State bonds, .... 50,000 00 50,500 00
Boston city bonds, 50,000 00 57,330 00
New York city bonds and stock, . . . 196,000 00 197,155 00
Portland (Oregon) water bonds, . . . 50,000 00 56,000 00
Beech Creek Railroad bonds, .... 25,00000 25,50000
West Shore Railroad bonds, . . . . 55,000 00 58,712 50
Broadway & 7th Avenue R.R. bonds, . . . 25,000 00 28,125 00
Maine Central R.R bonds 25,000 00 25,250 00
Allegheny Valley R.R. bonds, . . . . 25,000 00 26,500 00
Lehigh & New York R.R. bonds, . . . 20,000 00 20,468 00
St. Paul, Minnesota & Manitoba R.R. bonds, . 25,000 00 29,750 00
Chicago city bonds, 50,000 00 52,500 00
$899,400 00 $982,768 50
UNION SOCIETY.
429
Summary of Assets Dec. 31, 1895.
Stocks and bonds, as per schedule, . . . $982,768 50
Cash in the office of the company, . . . 10,408 80
Cash deposited in bank, 36,299 09
Premiums in course of collection (gross), . 143,565 36
Gross assets,
.,173,041 75
Unadmitted.
Special deposits in other States, . . . $173,000 00
Cash and securities not in control of trustees, . 50,685 89
223,685 89
Balance, $949,355 86
Liabilities.
Losses adjusted, unpaid, $20,987 95
claimed and reported, .... 96,164 26
disputed or resisted, . . . 2,181 77
Unearned premiums on outstanding risks, . 491,534 23
Commissions and brokerage, .... 37,908 39
Return premiums, 1,589 38
Reinsurance disallowed, 13 67
Gross liabilities, except capital, . . $650,379 65
Deduct liability on special deposits, . . 19,954 75
Surplus as regards policy-holders, .
Deposit capital, .
630,424 90
$318,930 96
200,000 00
Surplus over capital, $118,930 96
Income.
Fire premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed, .
Total, '
Premiums now in course of collection,
Entire premiums collected, . . .
Less reinsurance and return premiums, ,
Net cash fire premiums received,
Interest and dividends received from all sources,
$116,354 42
1,065,804 60
fl,182,159 02
143,565 36
fl,038,593 66
175,131 34
|863,462 32
29,005 18
Gross cash incon
. $892,467 50
430
WESTERN ASSURANCE CO.
Expenditures.
Cash paid for fire losses, $391,079 58
Deduct salvage and reinsurance, . . . 5,207 51
Net cash paid for fire losses, .... $385,872 07
Cash paid for commissions and brokerage, .... 218,017 64
for salaries of officers and employees, . . . 11,259 80
for State and local taxes, . . 21,514 51
for incidentals, ........ 13,723 57
Gross cash expenditures, ....... $650,387 59
Risks and Premiums.
Premiums.
Fire risks outstanding Dec. 31, 1894, . . $57,052,633 00 $759,065 38
Fire risks written during 1895,
Total
Deduct risks expired and terminated,
In force at end of year, .
Deduct amount reinsured,
. 93,288,366 00 1,065,804 60
f 150,340,999 00 $1,824,869 98
77,283,596 00 864,350 99
.|73,057,403 00 $960,518 99
846,175 00 11,701 28
Net amount in force, $72,211,228 00 $948,817 71
Miscellaneous.
Fire losses incurred during the year, ..... $383,051 00
UNITED STATES BRANCH OF THE "WESTERN ASSURANCE
COMPANY," TORONTO, CANADA.
Deposit Capital, $300,000.
FREDERICK B. CARPENTER, New England Manager.
Office, 13 Central Street, Boston.
Detailed Statement op Stocks and Bonds.
Par Value. Market Value.
United States bonds, $241,000 00 $267,510 00
City of Columbus, Ohio, bonds, . . . 50,000 00 53,350 00
City of Toledo, Ohio, bonds, .... 50,000 00 51,365 00
Georgia State bonds, ...... 25,000 00 26,250 00
City of Richmond, Va., bonds, . . . . . 42,000 00 • 42,000 00
Dominion of Canada stock, . . . . 151,350 00 158,160 75
Canadian Bank of Commerce stock, . . 40,000 00 54,400 00
Imperial Loan and Investment Co. stock, . 25,000 00 27,000 00
Dominion Savings & Investment Co. stock, . 15,000 00 12,000 00
Canada Permanent Loan & Savings Co. stock, 3,500 00 5,250 00
Freehold Loan & Savings Co. stock, . . 9,500 00 10,450 00
WESTERN ASSURANCE CO.
431
Toronto Loan & Savings Co. stock, .
Central Canada Loan & Savings Co. stock,
Toronto Loan & Savings Co. debentures,
Central Can. Loan & Savings Co. debentures,
City of London, Ont., debentures,
City of Montreal, Que., debentures, .
City of Toronto, Ont., debentures, .
City of Kingston, Ont., debentures, .
City of Winnipeg, Man., debentures,
City of Portland, Ore., bonds, .
Chicago Electric Transit Co. bonds,
Par Value.
$22,500 00
20,000 00
25,000 00
45,000 00
40,000 00
46,000 00
60,000 00
21,300 00
24,000 00
50,000 00
25,000 00
Market Value.
$25,000 00
24,000 00
25,000 00
45,000 00
41,168 00
46,413 00
61,116 00
21,074 43
26,025 80
55,325 00
27,250 00
fl,031,150 00 $1,108,107 98
Summary of Assets Dec. 31, 1895.
Loans on mortgage of real estate (first liens*),
Stocks and bonds, as per schedule, .
Cash in the office of the company, .
Cash deposited in bank, ....
Premiums in course of collection (gross),
Notes taken for marine and inland risks,
Gross assets,
$20,000 00
1,108,107 98
18 91
214,285 34
274,740 25
33,977 50
L,651,129 98
Unadmitted.
Special deposits in other States,
Cash not in control of trustees,
$226,160 00
18,940 46
245,100 46
Balance, $1,406,029 52
Liabilities.
Losses adjusted and reported, .... $153,242 84
Losses disputed or resisted, .... 23,502 02
Unearned premiums on outstanding risks, . 918,894 68
Commissions and brokerage, .... 35,835 67
Gross liabilities, except capital, .. . $1,131,475 21
Deduct liability on special deposits, . . 121,191 39
Surplus as regards policy-holders, .
Deposit capital,
Surplus over capital, .
1,010,283 82
$395,745 70
300,000 00
$95,745 70
* Total value of property mortgaged, ,
Amount of insurance held as collateral,
$43,500 00
13,200 00
432
WESTERN ASSURANCE CO.
Income.
Fire premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed, .
Total,
Premiums now in course of collection,
Entire premiums collected,
Less reinsurance and return premiums, .
Net cash fire premiums received,
Marine premiums outstanding Dec. 31, 1894,
Premiums on risks written or renewed, .
Total,
Premiums now in course of collection, .
Entire premiums collected,
Less reinsurance and return premiums, .
Net cash marine premiums received,
Interest and dividends received from all sources,
$276,269 72
1,803,211 25
$2,079,480 97
266,092 80
$1,813,388 17
309,384 30
$1,504,003 87
),205 31
393,216 57
$452,421 88
42,624 95
$409,796 93
93,978 61
315,818 32
44,211 04
Gross cash income, ........ $1,864,033 23
Expenditures.
Cash paid for fire losses,
Deduct salvage and reinsurance,
Net cash paid for fire losses, . . .
Cash paid for marine and inland losses, . .
Deduct salvage and reinsurance,
Net cash paid for marine and inland losses, .
Cash paid for commissions and brokerage,
for salaries of officers and employees,
for State and local taxes, .
for incidentals,
Gross cash expenditures, ....
$897,648 73
74,166 36
$403,392 93
62,452 42
- $823,482 37
340,940 51
346,465 34
35,800 00
40,244 79
153,556 16
. $1,740,489 17
Risks and Premiums.
Fire risks outstanding Dec. 31, 1891,
Fire risks written during 1895,
Total,
Deduct risks expired and terminated,
In force at end of year, . .
Deduct amount reinsured,
Net amount in force, . . .
$121,933,697 00
128,329,654 00
$250,263,351 00
114,132,816 00
Premiums.
^1,654,958 04
1,803,211 25
^3,458,169 29
1,673,879 82
$136,130,535 00
2,299,995 00
,784,289 47
28,302 23
$133,830,540 00 $1,755,987 24
WESTERN ASSURANCE CO.
433
Marine risks outstanding Dec. 31, 1894,
Marine risks written during 1895, .
Total
Deduct risks expired and terminated,
In force at end of year, ,
Deduct amount reinsured,
Net amount in force, .
Premiums.
88,734,324 00 $115,983 75
57,817,518 00 393,216 57
551,842 00 $509,200 32
58,240,892 00 394,634 80
^8,3 10,950 00 $114,565 52
1,565,067 00 39,025 55
1,745,883. 00 f 75,539 97
Miscellaneous.
Fire losses incurred during the year,
Marine and inland losses incurred during the year,
$819,310 00
320,827 00
AGGREGATE.
Deposit capital,
Gross present assets,*
Gross present liabilities,!
»
$7,300,000
$58,013,635
$37,789,529
Income.
Net cash receiver! for fire premiums,
Net cash received for marine and inland premiums, .
Interest received from all sources,
Miscellaneous,
$41,013,820
3,788,212
1,832,926
233,334
Total income,
$46,868,292
Expenditures.
Net cash paid for fire losses, ....
Net cash paid for marine and inland losses,
Cash paid for commissions and brokerage, .
for salaries of officers and employees,
for State and local taxes,
for all other items, ....
$23,404,845
2,412,426
8,120,122
2,777,301
1,031,039
2,704,058
Total expenditures,
$40,449,791
Risks and Premiums.
Fire risks written during the year,
Premiums thereon, ......
Marine and inland risks written during the year,
Premiums thereon, ......
Fire risks terminated, ......
Marine risks terminated,
Fire risks outstand ng at end of year, .
Marine risks outstanding at end of year,
Fire losses incurred during the year, .
Marine losses incurred during the year,
$5,159,560,329
55,236,510
1,363,158,887
5,362,947
4,931,577,133
1,342,978,004
5,835,923.975
77,945,625
22,555,166
2,619,129
* Immediately available for the payment of losses in this State.
| Not including liabilities in States wherein special deposits have been made.
APPENDIX.
APPENDIX.
GLOUCESTER MUTUAL FISHING INSURANCE COMPANY,
GLOUCESTER.*
[Incorporated 1847. Commenced business 1847.]
DAVID S. PRESSOR, President. FRANCIS BENNETT, Secretary.
Summary of Assets Dec. 31, 1895.
Cash in bank and iu course of collection, . $16,140 07
Gross assets $16,140 07
Liabilities.
Losses unpaid, .
State and local taxes,
Gross liabilities, .
$7,000 00
342 82
r ,342 82
Income.
Premiums collected during the year, . . $55,276 43
Gross cash income, — $55,276 43
Expenditures.
Cash paid for marine losses, .... $47,381 62
for salaries of officers and employees, 3,473 00
for State and local taxes, . . 684 49
for rent and incidentals, . . , 1,396 29
for interest on borrowed money, . 509 72
Gross cash expenditures, .... — $53,445 12
Risks and Premiums.
Marine risks written during 1895, .
Marine risks expired and terminated,
Miscellaneous.
Marine losses incurred during the year, .
81,305,331 00
1,305,331 00
Premiums.
§105,823 66
105,823 66
$48,290 00
* The stock is subscribed annually, in November, in shares of $1,000 each, for which a stock-
note is given of $200 per share, upon which all assessments are made. Each subscriber is
required to insure vessel property to at least seven-eighths of the amount of stock taken by him.
No vessels are insured except Gloucester fishing vessels. No one risk exceeds $10,000. All
risks terminate on the fifteenth day of November of each year, and each year's business is
settled at the close of the year. Premiums commence in November at 9 per cent., and decrease
as the season advances to 4 per cent., which is the lowest premium.
438 EEPOET OF THE
SUGGESTIONS FOR LEGISLATION.
^ommortfo^altlj of Passnrijusetts.
Insurance Department, Boston, Jan. 1, 1896.
To the Honorable the Senate and House of Representatives in General
Court assembled.
In accordance with the provisions of law, herewith is sub-
mitted such portions of the forthcoming report of the Insurance
Commissioner as contain suggestions for legislative action : —
The provisions of the last paragraph of section 16 of chapter
367 of the Acts of the } T ear 1894 have led to some confusion in
regard to the change in the character of the corporations therein
mentioned. The word "reincorporate" should be stricken out
and a provision inserted by which the companies named may
"avail themselves" of the privileges of the assessment act.
Under the provisions of the statute requiring in certain con-
tingencies that the Insurance Commissioner should appoint a
third referee in regard to a disputed fire loss, there has arisen
some difficulty as to the payment of the said referee, and a
provision ought to be inserted in the statute providing therefor.
Under the statute of last year reviving, with a smaller
minimum sum than was required under former laws, the pro-
vision for a guarantee capital for a mutual fire insurance
company, the question has arisen as to the application in
such company when commencing business, of the provision of
the law in regard to the number and amount of risks. The
statute should be amended so as to provide that the exemption
from these provisions should only apply to companies with a
guarantee capital of not less than $100,000.
The statutes of this Commonwealth forbid the transaction
INSURANCE COMMISSIONER. 439
within Massachusetts of any insurance business except by
representatives of duly authorized companies. The experience
of the past year and a half has shown that some of the new
mutual fire insurance companies of this Commonwealth have
gone into other States where they had not been legally
admitted, transacting a large amount of business upon which
it is exceedingly doubtful if any assessment can be collected.
The result is that not only in these incursions into unauthorized
territory do the companies of Massachusetts deliberately in-
fringe upon the laws of other States, but that in the ultimate
event of losses the Massachusetts policy-holders are required
to pay a very much larger assessment than would have been
the case had this business not been illegitimately carried on.
The statute should absolutely forbid companies of this class
from transacting business in States into which they have not
been lawfully admitted.
The disastrous failure in one of the cities of the Common-
wealth of a voluntary association holding a very considerable
amount of funds, while not incorporated but promising to pay
gratuities to its members, suggests the desirability of an
amendment to the statute by which such holding of funds shall
be forbidden, except by duly incorporated associations.
The act passed last year legitimatizing the business of in-
surance against loss from sprinklers has not entirely met the
public want in this direction, and it would seem as if the
statute might be further enlarged without danger to the public
and in the interest of those having stocks of goods which they
desire to have thus insured.
The work of the department in all of its branches has in-
creased three-fold within the past twenty years, while the
number of clerks employed otherwise than in the actuarial
business has not been increased for more than twenty years.
It is absolutely necessary to the proper conduct of the work
of the office that there should be added to the list of employees
an examiner.
While the statutes of Massachusetts require that a license as
agent shall be granted only to a resident of this Commonwealth
the provision is made that a license as a broker may be issued
to any suitable person. Under this law, citizens of other
States — notably of the adjoining State of New Hampshire —
440 REPORT OF THE
are given licenses as brokers and are thus permitted to come
into Massachusetts and transact insurance business, while the
laws of these same States- — conspicuously New Hampshire —
forbid the granting to a citizen of Massachusetts any authority
whatever to transact insurance business in such State. It
would seem as if the law of reciprocity or retaliation ought to
be so far strengthened as to forbid the issuance of a broker's
license to transact business in Massachusetts to a resident of
any State wherein the laws forbid the issuance of a like license
to a citizen of Massachusetts.
Attention is again invited to the salary of the Insurance
Commissioner. As was stated last year, for several years
prior to 1875 the salary of the Insurance Commissioner of this
Commonwealth was $5,000. By the specific provisions of
chapter 434 of the Acts of the year 1869, entitled "An Act
providing compensation for clerical and actuarial services in the
insurance department," the cost of clerical assistance, incidental
and contingent expenses are to be paid out of the fees received
from the insurance companies. These fees, which are in
addition to the ordinary and usual taxes paid by the insurance
companies in like form and manner as any other corporations,
are by the act mentioned specifically provided for the purpose
of paying the expenses of the Department. For many years
they have been largely in excess of the entire cost, and a very
considerable sum is annually paid therefrom into the treasury
above the entire expense of carrying on the Insurance Depart-
ment. The companies paying these fees are unanimously in
favor of having a larger portion devoted to the salary of the
Insurance Commissioner than at present.
The increase in business since 1875, when the salary was
$5,000, has been enormous, as is shown by the following com-
parison of the principal items, giving the business of companies
reporting to the Department : —
1875.
1895.
765,422
1,904,413
$1,907,000,000
$4,845,983,742
39,929
57,191
13,239
24,000
Number of policies in force, .
Amount of same, .
Receipts of Department,
Surplus to State over expenditures,
INSURANCE COMMISSIONER.
441
Further than this, the following compilation shows the in-
crease in the work of the Department from 1887 to 1895,
during the incumbency of the present Commissioner : —
1887.
1895.
Per Cent.
Increase.
Level premium policies, number,
Level premium policies, amount,
Fire and marine reported
Assessment companies, number reporting,
Assessment companies, amount of insurance,
Fraternals, number reporting, .
Fraternals, amount of insurance,
Agents and brokers, licensed and registered,
Official letters written, pages,
2,451,025
$2,586,833,026
12,574,338,031
27
$655,336,843
74
$34,440,000
5,993
1,230
8,673,787
$6,395,635,455
17,741,429,891
30
$1,373,392,068
273
$1,298,815,500
16,600
4,884
254
160
42
11
110
270
3,600
190
300
Average increase,
548 per cent.
It will be seen that, even omitting the extraordinary item
of amount of insurance reported by the fraternal corporations,
the average increase is 167 per cent. With this presentation
of facts in regard to the increase of the work and the accepted
facts in regard to the standing of the Department, it is again
modestly suggested that there would seem to be no reason w T hy
the salary of the Insurance Commissioner of Massachusetts
should not be equal to that of the Superintendent of Insurance
of the State of New York.
The statute of last year in relation to closing the affairs of
the small fraternal beneficiary corporations, owing to relaxing
amendments made during its consideration, has resulted in
winding up but ten of these corporations. There remain, not
enumerating some thirty police and firemen's relief associa-
tions, necessarily small, over one hundred of these corporations
with less than one hundred and fifty members each, and nearly
one-half have less than fifty each. It cannot be shown that the
existence of such number of weaklings is of possible advantage
to the people of the Commonwealth.
Kespectfully submitted,
GEO. S. MEREILL,
Insurance Commissioner.
442 report of the
New Insurance Statutes.
The following acts, in addition to those printed in the last
report, were passed by the Legislature of 1895 and 1896, and
are hereby published for information : —
[Acts of 1895 subsequent to those published in last Fire Report.]
[Chap. 366.]
An Act relative to the issuing of life insurance policies with-
out PREVIOUS MEDICAL EXAMINATION.
Section 1. No life insurance company organized under the laws
of or doing business in this Commonwealth shall enter into any con-
tract of insurance upon lives within this Commonwealth without
having previously made or caused to be made a prescribed medical
examination of the insured by a registered medical practitioner.
Sect. 2. Any insurance company violating the provisions of this
act, or any officer, agent or other person soliciting or effecting, or
attempting to effect, a contract of insurance contrary to the provi-
sions hereof, shall be deemed guilty of a misdemeanor and shall be
punished by a fine not exceeding one hundred dollars for each offence.
Sect. 3. This act shall take effect on the first day of September in
the year eighteen hundred and ninety-five. [Approved May 9, 1895.
[Chap. 403.]
An Act to authorize the supreme council American legion of
honor to hold its meetings without the commonwealth.
Section 1. The Supreme Council American Legion of Honor
may hold its meetings in any state wherein a council of said corpora-
tion is established ; and its acts at such meetings shall have the same
effect as if done within the Commonwealth.
Sect. 2. This act shall take effect upon its passage. [Approved
May 21, 1895.
[Chap. 474.]
An Act providing for certain classes of property insurance.
Section 1. Section twenty-nine of chapter five hundred and
twenty-two of the acts of the year eighteen hundred and ninety-four
is hereby amended by adding at the end of said section, the following
words : —
Seventh, To insure against loss or damage by water to any goods
or premises arising from the breakage or leakage of sprinklers and
water pipes.
INSURANCE COMMISSIONER. 443
Eighth, To insure against loss or damage to property arising from
accidents to elevators, bicycles and vehicles, except rolling stock of
railways, — so as to read as follows: — Section 29. Insurance com-
panies may be formed as provided in section thirty for any one of
the following purposes, to wit : —
First, To insure against loss or damage to property by fire, light-
ning, or tempest on land, upon the stock or mutual plan.
Second, To insure upon the stock or mutual plan, vessels, freights,
goods, money, effects, and money lent on bottomry or respondentia,
against the perils of the sea and other perils usually insured against
by marine insurance, including risks of inland navigation and trans-
portation.
Third, To guarantee the fidelity of persons in positions of trust,
private or public, and to act as surety on official bonds and for the
performance of other obligations.
Fourth, To insure against loss or damage to property of the
assured, or loss or damage to the life, person or property of another
for which the assured is liable, caused by the explosion of steam
boilers.
Fifth, To insure any person against bodily injury or death by
accident, or any person, firm or corporation against loss or damage
on account of the bodily injury or death by accident of any person
for which loss or damage said person, firm or corporation is respon-
sible.
Sixth, To insure against the breakage of plate glass, local or in
transit.
Seventh, To insure against loss or damage by water to any goods
or premises arising from the breakage or leakage of sprinklers and
water pipes.
Eighth, To insure against loss or damage to property arising from
accidents to elevators, bicycles and vehicles, except rolling stock of
railways.
Sect. 2. Section thirty-one of said act is hereby amended by
striking out in the ninth line, the word " or," and by inserting in the
tenth line, after the words " steam boiler insurance", the words : —
or for the transaction of the business authorized under the seventh
or eighth paragraph of section twenty-nine of this act, — so as to
read as follows: — Section 31. No corporation so formed shall
transact any other business than that specified in its charter and
articles of association. Companies to insure plate glass may organ-
ize with a capital of not less than one hundred thousand dollars.
Companies so formed insuring marine or inland risks upon the stock
plan shall have a capital of not less than three hundred thousand
dollars. Companies so formed for the transaction of fire insurance
on the stock plan, of fidelity insurance, of accident insurance, of
444 REPORT OF THE
steam boiler insurance, or for the transaction of the business author-
ized under the seventh or eighth paragraph of section twenty-nine
of this act shall have a capital of not less than two hundred thousand
dollars. Companies may be so formed to insure mechanics' tools
and apparatus against loss by fire for an amount not exceeding two
hundred and fifty dollars in a single risk, with a capital of not less
than twenty-five thousand dollars, divided into shares of the par
value of ten dollars each.
Mutual companies heretofore organized to transact employers'
liability insurance may continue such business under the fifth para-
graph of section twenty-nine of this act, and such companies shall
be subject to the laws, so far as applicable, in relation to mutual fire
insurance companies. No company shall be required to have on
deposit with the treasurer of the Commonwealth an amount in excess
of what is sufficient to enable it to comply with the laws of the states
in which it transacts business ; and all sums in excess of this amount
held on deposi 
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